New — an AACVT member benefit
Through AACVT's partnership with Lockton Affinity, credentialed veterinary technicians who work outside the clinic — providing in-home care, mobile services, and independent practice support — can now access professional liability coverage designed for the way you actually work.
Please note: Insurance coverage is valid only within the 50 United States and does not extend to international locations.
The AACVT Insurance Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage is subject to actual policy terms and conditions. Policy benefits are the sole responsibility of the issuing insurance company.
What it is
Professional liability insurance helps protect you if a client claims your professional services caused harm — covering legal defense and covered settlements up to your policy limits. Until now, this kind of coverage was built for veterinarians and practices, not for credentialed veterinary technicians working independently in homes and communities. This program changes that.
Why it matters
Clinic malpractice policies are built around the practice and its premises. Work you perform in a client's home — especially anything outside your employed duties — can fall outside that coverage entirely.
No controlled environment, no backup down the hall, and clients watching every move. A medication reaction, a handling injury, or a misunderstood instruction can become a claim against you personally.
When something goes wrong, pet owners can name the individual caregiver — not just the business — in a complaint or lawsuit. Your personal assets and your credential can be at stake.
Professional liability coverage helps with legal defense, which can be the largest expense of a claim — even one that's ultimately dismissed.
Carrying your own coverage tells clients, employers, and referring veterinarians that you practice to a professional standard — and it strengthens the case for the credential itself.
Who it's for
You provide nursing care, treatments, and client education in clients' homes — outside the umbrella of a clinic's policy.
You support patients and families through end-of-life care, where emotions run high and expectations are deeply personal.
You work across multiple practices as a contractor rather than an employee — and may not be covered by any single employer's policy.
You administer medications, fluids, or post-operative monitoring for clients who travel — services beyond standard pet sitting.
You work from a mobile clinic or alongside a mobile veterinarian, seeing patients in driveways, barns, and living rooms.
You train clients, consult with practices, or advise pet owners remotely — professional guidance can carry professional exposure.
AACVT FAQ
Questions about coverage? We're here to help. Reach out to Lockton Affinity at (800) 253-5486 or Lockton_Info@LocktonAffinity.com for coverage details, eligibility requirements, limits and pricing.
Join AACVT to access member programs like this one — and help us keep building first-of-their-kind benefits for credentialed veterinary technicians.
Become a Member