Services

Butler Vet Insurance can help you protect your business with the following lines of insurance:

  • Business Insurance for Veterinarians
  • Building insurance
  • General Liability
  • Workers Compensation
  • Commercial Auto
  • Umbrella
  • Employment Practices
  • Cyber Liability
  • And More…

Business Insurance for Veterinarians

Business Owners Package policy, commonly called a “BOP” contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Business Property

Although most business owner policies (BOPs) do provide coverage for property, this most often pertains only to the actual structure of your business. Under a BOP, generally, the structure of your business is covered from events of “peril” (i.e. weather-related damage) and causes of loss. What about the furniture, computers, and equipment in your building? Who will cover the cost of replacing an outdoor sign?  This is where Business Property Insurance comes in. A typical Commercial Property Insurance policy will cover the property of your business that a BOP will not.

General Liability

Let the professionals at Butler Vet Insurance help you analyze the right policy for you. Whether you are a “Main Street” clinic or practice covered by a BOP - Business Owner Policy or a commercial risk that requires a Commercial Package Policy, we have the expertise to recommend the right coverage for you. Maybe you are considered a high risk or hard to place business, Butler Vet Insurance has the knowledge and carrier relationships to find the policy best suited for you and your business.

Workers Compensation

As a business owner, you do everything you can to protect your employees from potential dangers, but do you have workers' compensation protection? Most business owners understand that workers' compensation is important, but did you know that if you have employees, it is required by law? Workers' compensation is a type of insurance coverage that protects your employees in case of injury or disease during the course of employment. Policies can provide coverage for: Medical expenses, Lost income/wages, Rehabilitation costs, Death benefits and more…

Commercial Auto

Even if your employees use company cars for both business and personal use, it would be good to consider a commercial auto policy for your business. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. Whether your company needs to purchase a commercial auto policy is dependent on the type of driving its employees do. Our agents will sit down with you and explain your auto insurance options along with expert recommendations.

Umbrella Insurance

Most package policies provide an aggregate liability insurance limit of $1 million for any one occurrence and $2 million in any one year. For many businesses, this limit is inadequate for real economic security. As a result, additional layers of protection in million-dollar increments are readily available in today’s insurance market for most businesses.

EPLI: Employment Practices Liability

Even if your employees use company cars for both business and personal use, it would be good to consider a commercial auto policy for your business. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. Whether your company needs to purchase a commercial auto policy is dependent on the type of driving its employees do. Our agents will sit down with you and explain your auto insurance options along with expert recommendations.

Cyber Liability

Cyber liability insurance covers financial losses that result from data breaches and other cyber events. Most cyber policies include both first-party and third-party coverages. Some coverages may be included automatically while others are available "a la carte."

You care about protecting animals.
We care about protecting your business.

Reviews

  • "We have worked with Bill Butler as our hospital and work comp insurance broker for the last few years, and we could not be more pleased with his service. He gives his honest opinion based on experience about where our dollars will be best spent and about the types of coverage we need, and when there have been disputes with our insurance company he has gone to bat on our behalf.  For these reasons he has earned our loyalty and I don't foresee that changing, and I predict that other veterinary hospitals will have a similar experience if they do decide to work with him"-Kelby Howell Practice Manager Blue Cross Animal Hospital. Client Since 2015
  • "Hi Bill, I just wanted to say thank you for coming out and giving me a quote for insurance.  I really appreciate the time that you took to gather information and communicate with the underwriters about our coverage.  You really took the time to educate me on our coverage and give me recommendations for the future.  Even though I can’t make a change this year because we ran out of time, I will definitely have you come back next year.  We will allow extra time next year.  Thank you again for providing great customer service!"-Sherry Foster Practice Manager / Owner Southview Animal Hospital
  • "I was interested in finding a new insurance agency to meet the needs of our business. I had been listening to the radio and heard of another company. I called them and they stated they did not work with the type of business that I have, and they recommended Butler Insurance. Oddly enough Bill had stopped by our business and dropped off some information the week before. I contacted Bill and after our first meeting, I knew I would be changing our insurance needs over to Butler Insurance. My goal was to find an excellent insurance agency, to find someone who would listen to my needs, and to educate me on what I needed, to keep my business and staff protected. Bill met all of this and has exceeded my expectations. I look forward to a long healthy business relationship! "-Dan Cederstom DVM Park Grove Pet Hospital Client Since 2018
  • "I have been impressed with Bill’s honest communication style; he’s a good guy who doesn’t pull any punches. He strikes me as very knowledgeable and hard-working, and I have no doubt that he does his absolute best for his clients."-Heidi Brenegan Chief Marketing Office Animal Emergency & Referral Center Of Minnesota
  • "I needed help with my insurance and Bill exceeded my expectations. His knowledge of my business (Veterinarian) needs helped me save a ton over last year. Thanks Bill!"-Sven Kohlmyer DVM/Owner Wayzata Pet Hospital Client Since 2018
  • "My wife and I have owned our veterinary clinic since the late 90's and have been in the business for over 40 years. Bill is the knowledgeable insurance agent I have ever know. When I met Bill, if I had not know he was an insurance professional, I could have easily been convinced that he owned a veterinary practice - he was that informed about our profession. Bill is hard working and thorough as well as ethical. I would highly recommend him for your insurance needs."-David Hermann DVM/ Owner Cleary Lake Animal Hospital Client Since 2019
  • "We are so happy to have found Bill Butler to help us with our business insurance needs. He is knowledgeable and helpful at explaining products which may apply to our veterinary practice. I am glad to be working with someone who is part of my community.  I feel confident that Bill will be there for us if we ever need him and that he is the right fit for our established St. Paul small business. Of course my favorite thing about Bill is how much he loves our clinic cat, Chou Chou!"-Anne Brownlee DVM/Owner Grand Avenue Veterinary Center Client Since 2018
  • "Bill recently took over our business insurance needs. Insurance is confusing and Bill explained things in a manner that made sense. I'm so happy we made the transition and highly recommend Bill and Associates! "-Amanda Foss – Practice Manager Grand Avenue Veterinary Center – Client Since 2018
  • "I had the pleasure of meeting Bill at the October VHA expo and was so happy that he followed up with us after our initial meeting. After meeting with Bill, we realized he is one who knows the veterinary insurance industry inside and out! He is an individual who is very thorough, provides easy to understand advice, and follows through with what he says! We switched our business and workman's comp insurance to the Butler agency due to the excellent service Bill provided in just the short time we have known him. Highly recommend Bill and the Butler Agency!"-Dr. Julie Berndt DVM Minnesota Valley Pet Hospital Client Since 2019
  • "Excellent communication, service, products and pricing. I highly recommend!!"-Dr Dan Soderberg Blaine Central Veterinary Clinic Client Since 2019

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