Most vet surgery insurance policies are based on a different contract. UK commercial insurance companies have different contracts for different trades and types of business. The essential elements are the same but there are certain small alterations to the contract or cover which are, in the insurers opinion, suited to the particular business.
Believe it or not, in the UK vets, doctors and dentists policies are based on an office insurance policy. There are similarities to the cover, except in the fact that most doctors and vets do undertake work away. Whilst doctors can of course get injured whilst doing a home visit, a vet is more likely to be injured because they are dealing with sick, frightened and very jumpy animals.
You need to ensure that your policy does cover you for work that is undertaken at third party premises, in the main this will be farm properties, but vets can, and do, get called out for home visits more often than you would think. The two parts of cover to think about are the public liability and employers liability.
Both of these need to note specifically that there could be a potential claim whilst at a third party location. A vet being injured will fall under the employers liability section. Some insurers, whilst they do offer surgeries insurance, need to be told specifically to amend the policy to cover work away. With a commercial insurance policy you should never assume that the cover is in place. Deal through an insurance broker and get them to confirm in writing that you have this, vital, cover in place.