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Ed Branam, DVM

Column:Protect and Defend

Protect & Defend columnist Dr. Ed Branam is the veterinary and animal services program manager at Safehold Special Risk Inc. A 1977 graduate of the Michigan State University College of Veterinary Medicine, he has worked in the insurance industry for the past 20 years. He is a former Sacramento, California, veterinarian and a former veterinary affairs manager with Hill’s Pet Nutrition.

Protect & Defend columnist Dr. Ed Branam is the veterinary and animal services program manager at Safehold Special Risk Inc. A 1977 graduate of the Michigan State University College of Veterinary Medicine, he has worked in the insurance industry for the past 20 years. He is a former Sacramento, California, veterinarian and a former veterinary affairs manager with Hill’s Pet Nutrition.

workers' compensation

Managing Workplace Injuries

Protect and Defend

Workers’ compensation insurance is a must-have to protect the business and cover employees’ medical and wage needs.

Veterinary medicine is a dangerous occupation. Whether you are a veterinarian, technician, assistant or kennel attendant, every animal you come into contact with can inflict serious harm. Although veterinary professionals largely take their working environments for granted, the U.S. Department of Labor says the percentage of people injured while delivering veterinary services exceeds the rate […]

violence

Prepare for the Unthinkable

Protect and Defend

Unforeseen violence can happen anywhere, sadly. Do your best to prevent it and always be situationally aware.

Earlier this year, the United States saw multiple mass-casualty events linked to what police commonly call an “active shooter.” A quick Google search noted at least 71 such events since 2011. Unprovoked acts of gun violence are sometimes random and sometimes retaliatory. Businesses, churches, schools, movie theaters, outdoor public events and even military installations have […]

insurance agent

A Crisis Situation

Protect and Defend

The pandemic upended how veterinary care is provided. Make sure your business is adequately protected.

COVID-19, the little virus responsible for so much tragedy, changed our collective future in a few short months. We are at a crossroads today. On one hand, we mourn the unprecedented loss. On the other, we rejoice in an incredible scientific achievement: Modern science and technology delivered multiple highly effective vaccines within a time frame […]

mobile practice

Set the Wheels in Motion

Protect and Defend

Operating a mobile practice exposes veterinarians to many of the same liability concerns as their walled colleagues. The right insurance policies can deliver peace of mind.

An ever-growing number of small animal veterinarians are forgoing traditional brick-and-mortar veterinary clinics in lieu of providing medical services at pet owners’ homes. Over the past year, I have assisted almost as many veterinarians with insuring their house-call practices as in the previous 20 years combined. From the pet owner’s standpoint, utilizing at-home medical care […]

auto insurance coverage

Steer Clear of Trouble

Protect and Defend

Practice owners need adequate insurance coverage when transporting pets and when employees are on the road.

Insurance coverage and risk management remain a hot topic during the pandemic. This is the second in a two-article series highlighting the most frequently asked COVID-related questions I have received from my insurance clients. Q. What are the liability risks if my hospital offers a pet taxi service? A. You must consider two major exposures. […]

COVID coverage

COVID, insurance and your practice

Protect and Defend

Questions that few people were asking a year ago are suddenly on everybody’s mind.

As the pandemic sweeps across the United States, the delivery of veterinary services has changed dramatically. Not surprisingly, veterinarians and practice managers have raised questions about insurance coverage and risk management. This is the first of a two-article series highlighting the most frequently asked questions I have received from my insurance clients. Q. Do workers’ […]

loss control survey

You snooze, you lose

Protect and Defend

Not preparing for a risk-management survey could cost you the chance to lower your insurance premiums. Not permitting a visit might mean a policy cancellation.

Someone claiming to be from your insurance company calls to say he wants to schedule an on-site loss-control survey of your veterinary practice. Eight questions should immediately come to mind. 1. What is a loss-control survey? Loss control is a risk-management technique that seeks to reduce the possibility of a loss or lessen the severity […]

insurance premium

Premium advice

Protect and Defend

From requesting a risk inspection to raising their deductible, practice owners have numerous opportunities to reduce the cost of insurance.

Today’s hypercompetitive veterinary marketplace is filled with savvy, non-traditional competitors developing innovative methods of meeting client demands for services. No longer can veterinarians simply focus on working hard and providing quality medical care to drive revenue and financial success. The successful entrepreneurs of the future will focus on client-centered service delivery while reducing the cost […]

employee benefits

It’s for your benefit

Protect and Defend

Employee benefits liability insurance shields a practice when program administrators mishandle a situation.

Attracting and retaining high-quality employees is a challenge for many veterinary practices in today’s competitive, mobile environment. Practice owners and managers continually ask me whether I know any qualified veterinarians or veterinary nurses who are looking for work. To recruit and keep quality employees, veterinary practices offer an ever-increasing variety of ancillary benefits as part […]

directors and officers

Don’t manage without it

Protect and Defend

Directors and officers liability insurance protects a veterinary practice’s executives and leaders from themselves and their bad decisions.

Does your veterinary practice operate under a board of directors? Do you serve on the board or as an officer responsible for management decisions that have a direct financial impact on others associated with the organization? If so, directors and officers liability insurance, often referred to as D&O insurance, should be an important component of […]

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