“Veterinarians carry medical malpractice insurance, but technicians generally do not need it because the veterinarians are ultimately responsible for overseeing the technician's work as well as their own,” says Dr. Kimberly May, assistant director of the Communications Division of the American Veterinary Medical Association.

People who own farms and horse farms, riding academies, doggie daycare centers, and other animal-related professions where there is interaction between animals and visitors can get liability insurance, which covers sums judged against you in the case of negligence on your part or the part of an employee. It also covers the cost of your legal defense.

The American Veterinary Medical Association (AVMA) Professional Liability Insurance Trust (PLIT) is the largest provider of medical malpractice insurance. This one-stop shopping site for liability insurance also offers students preceptorship coverage, which in a nutshell is a liability malpractice insurance for medical interns. This insurance covers hospitals and its contents, insurance for your mobile practice, workers' compensation, business interruption insurance, embryo and semen storage insurance, employment practices liability insurance, commercial automobile, commercial umbrella, personal automobile, homeowners and renters insurance, and personal umbrella. To download an application or find out more information, click on www.avmaplit.com.

AVMA is just one organization that offers insurance coverage, including group health and life insurance, for its members. To find out about other companies, ask colleagues for references. You can also find companies online, but again, it is best to get a recommendation from a colleague or someone at a membership organization.