Insurance for non-profit organizations in animal health care include many different types of coverages. Some of the most common insurances needed are:

• General Liability is a foundational insurance coverage that protects your organization from third-party claims of bodily injury, property damage, and personal or advertising injury. It covers your legal defense costs, settlements, and medical expenses.
• Property coverage protects your organizations physical assets and real estate from unexpected events such as fires, theft, wind, lightning, hail, and vandalism just to name a few. It ensures that if your property, equipment, or inventory are damaged or destroyed, you can afford to repair or replace them.
• Business Income insurance helps replace lost income if your organization can't operate temporarily due to covered damage caused by fire, wind, or theft.
• Animal Bailee coverage protects you if you have care, custody, and/or control of someone's pet and the animal is lost, stolen, injured or killed. This is not the same as veterinary professional liability.
• Veterinary Professional Liability protects veterinarians from claims related to errors, omissions, or negligence that occur while performing their professional duties. Coverage can also extend to third-party injuries if a pet owner is assisting or getting in the way during the performance of professional services and they are injured in the process.
• Commercial Auto coverage protection is needed if your organization owns vehicles. Coverage includes liability and physical damage.
• Non-Owned Auto Liability should be included in a commercial auto policy. However, if your organization does not own vehicles, non-owned auto liability should be included with the general liability or business insurance policy to protect you if a workers or volunteer is operating their personal vehicle for an organization errand, event, or other need and they cause an auto accident.
• Worker's Compensation is needed to provide benefits to your employees to help them recover from a work-related injury or illness.
• Umbrella is a type of liability coverage that sits above other coverages like general liability, commercial auto liability, hired & non-owned auto liability, and employer's liability (worker's comp). It acts as excess limits if a claim exhausts the limits of your underlying liability coverage.
• Directors & Officers (D&O) protects the board of directors from lawsuits. While it may be last on this list, it is by far not the least needed coverage. Board members can have legal troubles for various reasons, including improper use of funds. D&O protects the personal assets of corporate leaders and board members. It also covers legal defense costs, settlements and judgements if they are sued for actual or alleged wrongful acts, mismanagement, or breaches of fiduciary duty while managing the organization.