veterinary tools and pet accessories on a white background

Workers' Compensation Insurance for Veterinarians

Policies for Veterinary Clinics, Pet Groomers, and Animal Care Services

Get an Instant Quote



Why do Veterinarians need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Veterinary clinics face unique risks, from animal bites to repetitive strain injuries. Whether treating pets or maintaining clinic operations, accidents can occur. Workers’ comp safeguards your team, covering medical bills and lost wages while helping your clinic remain compliant.

Common Veterinarian injuries

Animal bites and scratches – Handling stressed animals poses frequent risks
Back injuries – Lifting or restraining large animals can strain muscles
Exposure to diseases – Contact with infected animals increases the risk of illness
Needlestick injuries – Missteps during vaccinations or injections may cause punctures
Slips and falls – Wet floors or cluttered clinics can result in injuries

Common types of Veterinarian workers we can insure

Animal Shelters

Mobile Vet Services

Pet Grooming Clinics

Veterinary Clinics

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Veterinarians workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Veterinarian Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Veterinarians cost?

Veterinary workers' compensation costs about $0.93 per $100 of payroll in 2025. Find out how this translates to affordable coverage in Workers’ Comp Rates for Veterinarians 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Veterinarians

Here are the main categories for classifying workers in the veterinary industry. For more details, visit our guide: Workers’ Comp Class Codes for Veterinarians.

8831 - Veterinary Hospitals

8831 - Mobile Veterinary Services

8831 - Pet Grooming or Training

8831 - Animal Shelters

8831 - Dog Kennels

8831 - Humane Societies

0917 - Pet Sitters

0928 - Pet Grooming or Training (PA and DE)

0959 - Veterinary Office and Hospital (PA and DE)

Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for Veterinarians?
Get a hassle-free instant quote & get coverage in under 10 minutes.

Get my Quote

Helpful tips to save money

Choosing veterinarians workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Veterinarian Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Veterinarian Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Veterinarians

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

Do 1099 contractors in my veterinary practice need workers' comp coverage?

Yes, 1099 contractors must have their own workers' compensation insurance with proof provided to you. If they don’t, you’ll need to include them under your policy and account for their payroll.

Is pet sitting in a client’s home covered under a veterinary workers' comp policy?

No, pet sitting in a client’s home is not covered under a standard veterinary workers' comp policy. You would need a separate policy under class code 0917, which typically comes with higher rates.

State laws on Workers' Comp for Veterinarians

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
‍

Choose your state from the dropdown to learn more.

Need other types of insurance for Veterinarians?

Yes, we can help with that too!

Learn more about Veterinarian Insurance

a dog owner visiting the vet for a consultation

Workers' Comp Insurance for Veterinarians Cost | 2025

a veterinarian doing ultrasound and analyzing the health of a dog

Workers' Comp Code for Veterinary: A Complete Guide

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for veterinarians insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

    

Excellent 5 stars

Get Workers’ Compensation for Veterinarians today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

Get my Quote



The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

By entering your email, you agree to our Privacy Policy.

The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.