Veterinarian or Veterinary Hospitals

What Does GL Code 99851 Cover?

ISO GL class code 99851 applies to veterinarians and veterinary hospitals, encompassing a broad range of animal care services from routine check-ups and vaccinations to complex surgeries and emergency treatments. This code classifies operations involved in the medical and surgical treatment of animals, including diagnostic services, pharmaceutical dispensing, and boarding facilities that are incidental to veterinary care.

Who Uses This Class Code?

This code primarily covers licensed veterinarians, veterinary clinics, animal hospitals, and specialized animal care facilities. It includes practices focusing on small animals, large animals, exotic pets, and equine services, as well as mobile veterinary units and animal rehabilitation centers.

Common GL Claims for This Class

Common GL claims for veterinarians include animal bites or injuries to clients or staff, property damage caused by animals during examinations or procedures, and slip-and-fall incidents on the premises. premises.

Coverage Tips for Code 99851

• Ensure your General Liability policy includes Animal Bailee coverage, as standard GL policies often exclude damage or injury to animals in your care, custody, or control.
• Review your policy for professional liability (malpractice) coverage, which is crucial for veterinarians to protect against claims arising from errors or omissions in treatment.
• For veterinary hospitals with boarding facilities, verify that your property insurance adequately covers potential animal escape or injury incidents, and consider specific endorsements for such exposures.
• In Florida, ensure all veterinarians and veterinary technicians maintain current licenses with the Florida Board of Veterinary Medicine to avoid regulatory penalties and potential coverage issues.