Covers third-party bodily injury, property damage and legal defense costs.

Covers legal defense costs in case of licensing board investigations or
disciplinary actions.

Protects against data breaches, ransomware attacks, or loss of client records
(especially with electronic health records or online appointment systems).

Necessary if the hospital uses vehicles for mobile visits, pet transportation, or
deliveries.

Covers the repair or replacement of expensive diagnostic and surgical equipment.

Compensates for lost income and ongoing expenses if the hospital is forced to close
temporarily (e.g., after a fire or flood).

Provides additional liability coverage beyond standard policy limits.

If the hospital sells pet food, supplements, or medications, this covers harm caused
by those products.

Covers the loss of a crucial staff member (e.g., lead veterinarian) due to death or
disability.