Manufacturers, importers and suppliers of veterinary medicines and animal health products.

Where the sector’s exposures differ

Animal injury, alleged adverse effects, contamination and product-related economic loss may raise different insurance questions. The intended species, use in food-producing animals, product claims and actual supply-chain role must be stated. Veterinary product supply differs from practising as a veterinarian.

Insurance covers to assess

Review products liability, product errors and omissions, recall, and stock or transit. Check how animal injury and consequential claims are treated and whether the product class is accepted. Clinical veterinary advice requires separate professional or malpractice assessment.

Policy features to discuss

We can discuss the insured activities, insured entities, territorial limits, defence costs, excesses and aggregate limits offered by insurers. If a customer requests particular insurance, let us know so we can consider the available cover. Legal interpretation, drafting and negotiation of contracts should be handled by your legal adviser.

An illustrative exposure

An animal owner alleges harm after use of a supplied medicine, while a distributor seeks withdrawal costs. Each allegation needs assessment under the relevant wording.

This is a hypothetical example to explain cover questions, not a Mercantile client case or a paid claim. The proposed policy must be assessed before assuming any response.

Information needed for a quotation

Product types and species; claims and intended use; registration or permit position where applicable; manufacture and import roles; markets; supply agreements and incident history.

Also provide turnover, wages, subcontractor and labour-hire costs, the legal entities to insure, existing schedules and wordings, claims or known circumstances, and planned changes. A clear activity breakdown helps us approach suitable markets and compare the terms offered.

Common questions

Does Mercantile advise on veterinary product registration?

We focus on insurance for the actual veterinary products you manufacture or supply. Product registration, permits and regulatory treatment should be addressed with your regulatory adviser or the relevant authority.

Can Mercantile review existing insurance?

Yes. Send the schedule and wording together with a description of your activities and key contracts. We can examine significant gaps and approach suitable insurers, subject to their appetite and acceptance. We assist Australian businesses from our Norwest NSW office.

Related insurance sectors

Our service focuses on insurance placement and policy cover. Product classification, approvals and regulatory compliance are matters for your regulatory adviser or the relevant authority.

Return to pharmaceutical insurance or explore all Life Science insurance sectors.

• Pharmaceutical Manufacturer and Importer Insurance
• Pharmaceutical Licence Holder and Sponsor Insurance
• Pharmaceutical Distributor Insurance

Prepared by Mercantile Insurance Brokers. Updated 30 September 2026. General information for Australian businesses. Availability and cover depend on insurer acceptance, policy terms, exclusions, limits and deductibles.