Resources

CVMA Insurance Services

For more than 50 years, the CVMA has offered its membership a highly successful group insurance program. A key reason for the success of this insurance program has been active participation by the CVMA in advising insurance carriers and brokers on the unique coverage and service needs of its members.

In 2007, the CVMA formed a wholly-owned subsidiary insurance brokerage. In doing so, the CVMA could better ensure the expansion of insurance products and superior service delivery to its membership. Influenced by the highly successful insurance programs and service delivery provided through the California Dental Association’s subsidiary insurance brokerage, the CVMA formed Veterinary Insurance Services Company (VISC).

Today, VISC is the only brokerage endorsed by the CVMA. VISC is a full service brokerage which strives to maintain client satisfaction through an array of insurance products and services specifically designed to meet the business and personal insurance needs of the veterinary community.

Select a coverage to read a brief description of what is offered. Should you need additional information, please see the contact information listed at the bottom of this page. 

Dental & Vision Insurance

Members can participate in the Delta Dental insurance program, designed to cover personal and staff needs. There are three plans to choose from. The Employer Sponsored Plan benefits the hospital owner, their families, and full-time employees with a tax-free employment benefit. In addition to this plan, there are two Voluntary Plans that allow individuals to obtain dental insurance at group rates. Premiums are at group rates with no minimum enrollment or employer contribution requirements.

Affordable, high-quality eye care plans are available with Vision Service Plan. VSP is the nation’s largest provider of affordable high-quality eye-care plans. The CVMA has several plans available to its members including an employer sponsored plan, and plans for individual employees with no minimum number of participants or employer cost.

For more information on dental and vision insurance, call Capitol Association Plans at 916.944.1707 or e-mail caps@unlimited.net.


 Employment Practices Liability Insurance (EPLI) 

VISC has employment practices liability insurance (EPLI) products, which provide affordable coverage to protect practices against the escalation in employment-related lawsuits.  Included in the special coverages “tailored to the needs of the veterinary community” are:

Broad definition of “named insured”, includes the entity and its owners and employees

  • Third Party and Independent Contractor coverage
  • Prior acts coverage
  • Wage and hour defense

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 Personal Lines Insurance 

VISC also provides comprehensive and competitive personal lines products. VISC has expanded its personal lines capabilities through the utilization of several carriers:

  • Homeowners/condominium/renters
  • Auto/boat/recreational vehicle
  • Motorcycle
  • Jewelry/collectables
  • Personal umbrella

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 Workers’ Compensation Insurance 

VISC provides workers’ compensation coverage and tailored risk management services through Preferred Employers Insurance Company. Coverages and services include but are not limited to:

  • Volunteers covered automatically
  • Post-exposure rabies prophylaxis medical treatment
  • Safety calendar with monthly training topics
  • Dedicated claims staff

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 Veterinary Hospital Business Package

Property Coverage

Coverage includes:  Animal damage to the building and equipment; guaranteed replacement cost of the building and full replacement cost of equipment. There is no co-insurance penalty for undervalued building coverage. This value-added feature becomes critical in the event that inflation or heightened costs require higher-than-expected rebuilding costs at the time of a claim.

Coverage is also provided for:

  • Back up of sewer and drain
  • Mechanical, electrical & pressure equipment breakdown
  • Money and securities
  • Employee dishonesty – including ERISA bond
  • Animals in your care, custody or control – includes advertising and reward expense to recover a lost or stolen animal

Additionally, the policy allows rebuilding at a different location if needed after an insured loss. The basic policy form included actual loss sustained loss of income, and unlimited extra expense, upon occurrence of a loss. When the building is owner-occupied, unlimited glass coverage is included.

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 Veterinary Hospital Business Package

Liability Coverage 

  • Business liability for premises and operations, products and completed operations, personal injury
  • Non-owned and hired automobile
  • Veterinary Professional Liability – includes Veterinary Medical Board (VMB) defense coverage (covers the business entity and its owners, employees, interns, externs and volunteers)
  • Consent of insured required to settle veterinary professional liability claims

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 Veterinary Hospital Business Package

Optional Coverages Available 

  • Earthquake damage
  • Employee benefit liability
  • Business income on mobile units
  • Business automobiles
  • Umbrella/excess liability

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 Group Health Insurance 

CVMA offers an “Employer Driven Health Plan” product through VISC that can significantly lower group health care costs without lowering benefits (in most cases providing the ability to increase benefits).

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 Disability & Long Term Care

  • 15% discount for CVMA members
  • Non-cancellable
  • Guaranteed renewable
  • Survivor benefit
  • “Own Occupation”

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 Life Insurance

  • Individual Term
  • Individual Universal Life
  • Individual Whole Life

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 Supplemental Insurance

VISC provides supplemental insurance for individuals and groups to help pay benefits major medical insurance doesn’t cover. You can provide this to your employees at no direct cost to you.

  • Personal Accident Indemnity Plan
  • Personal Cancer Indemnity Plan
  • Hospital Protection Plan
  • Short Term Disability Plan

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For more information please see Veterinary Insurance Services Company’s (VISC) website, or contact:

Pati Garcia
Veterinary Insurance Services Company
1400 River Park Drive, Suite 180
Sacramento, CA 95815

888.762.3143

E-mail: info@visc-ins.com

© 2017 California Veterinary Medical Association

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