ITOO Special Risks is an underwriting management agency (UMA) focusing on all forms of liability and casualty insurance. ITOO was born out of Hollard’s Liabilities and Special Risks division and underwrites on the Hollard Insurance licence.

ITOO’s specialist products set us apart in the liability and special risks market. Working only through brokers, we provide a range of niche insurance products to corporate clients and professionals. Visit www.itoo.co.za for more information.


VetProtect is a comprehensive liability offering from ITOO that provides insurance to vets against claims of veterinary malpractice, professional indemnity, public liability, employment practice liability and commercial crime.

We provide four categories of cover for vets. They are rated according to their animal focus:

Category A:

  • Professional individual – single-person practice
  • Domestic and exotics, small animals, including pedigree animals but excluding animals used for professional breeding

Category B:

  • Domestic general practice – multi-person practice
  • Domestic and exotics, small animals, including pedigree animals but excluding animals used for professional breeding

Category C:

  • Commercial general practice
  • Commercial livestock, agriculture including extensive farming focused on livestock, equine (recreational) but excluding stud farming, professional or horse racing practices. (Animals in category A and B are also included.)

Category D:

  • Commercial specialised practice
  • Wildlife, zoological, aquaculture and aquariums, professional (competition) and/or racehorse and stud farming, commercial dog breeding, intensive farming, dairies larger than 30 head of cattle being milked, and professional breeders

The product is endorsed by the South African Veterinary Association (SAVA). Discounts of up to 7,5% are offered if 75% of the vets in the practice are SAVA members.

The VetProtect offering also covers all costs associated with legal representation at any counsel complaints.

We are able to offer limits of up to R10 million.

Vet Protect is run through an exclusive agreement with a sole broker, Leonie Delgado Platinum Portfolios CC (Tel: +27 (0)11 662 1204 / Email: vetprotect@myownbroker.co.za).


ITOO is an authorised Financial Services Provider | Registration No. 2016/281463/07| FSP No. 47230 | +27 (11) 351 5000