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Pet Business Insurance

Helping protect you while you serve our furry and fine-feathered friends.

Pet business insurance for your business needs.

There are many different types of businesses in the pet industry. You might own a retail establishment, a non-profit that handles pet adoptions, a training business, a veterinarian or a grooming shop. You could even have a combination of specialties. Whatever services your business offers for pets and their owners, one thing is for certain. You need pet business insurance that offers coverage for the unique needs of your operation.

The location of your business matters.

A brick-and-mortar establishment will need insurance coverage for the business’ physical location, which could be a storefront, a training facility, a groomer shop, or a kennel. You’ll need to help protect the building and its contents, and you’ll want general liability coverage for any accidents that could occur on your property or damages someone in your business causes, especially since you’re likely to have high foot traffic. If you’re on the move often, such as a mobile grooming service or a trainer who makes house calls, your needs won’t be the same.

Your handling of animals could require specific pet business insurance.

If you allow pets in your establishment, you run the risk of someone’s animal injuring another person or animal, even if they are being handled by their owner. If you take animals into your own care, custody, or control, whether in your location or for transport, you’ll need specific coverage called animal bailee insurance to offer financial coverage in the event that something happens to an animal while in your care.

 

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The products you sell could put you at risk.

If you sell food, toys, or accessories for pets, you could be held responsible if an animal is hurt or sickened by one of your products. Groomers could be sued if an animal becomes injured because of a certain shampoo. While the manufacturers will likely bear responsibility, you could be named in a lawsuit, which would be expensive to defend. Having proper liability insurance could help cover those costs, as well as any damages you are responsible for.

Don’t forget the standard business coverages.

There are some business insurance products you’ll likely need, regardless of your industry. Commercial umbrella insurance offers coverage beyond the limits of some of your other policies. Business auto insurance is vital if your business owns a vehicle or your employees use their personal vehicles to perform work duties. A cyber liability insurance policy offers coverage against the financial losses associated with data breaches.

If you’re in the pet business, we can help you find the right pet business insurance for your unique needs. Contact us today for a consultation.

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As an independent agency, we are here to help you find the right coverage.

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Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers’ compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.

Directors and Officers Liability Insurance (D&O)

Risk Factor

Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.

Solution

Obtain comprehensive coverage to protect senior individuals of your company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.

Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper insurance coverage in place.

Solution

Maintain workers’ compensation insurance to provide benefits to eligible employees. Otherwise, you can be penalized for every day that coverage is not maintained, as well as for any benefits an employee would have been eligible for in the event of a job-related injury or sickness.

General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Animal Bailee

Risk Factor
If your practice hospitalizes, boards, or transports animals, you can be held responsible for any number of things that can happen to the animal while it is in your care, custody, or control.
Solution
Animal bailee provides coverages for damages arising from causes unrelated to treatment. This can include fire, theft, escape, flood, or an attack by another animal.

Commercial Property

Risk Factor

Your business property is a significant financial investment. What if something happens to it?

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Pet Groomers

Risk Factor

As much as we try to avoid them, mistakes and accidents happen. For example, an animal can move abruptly and be hurt by scissors during a grooming session or it could fall from the table. Another possibility is that you could perform services on the wrong animal, resulting in a lawsuit.

Solution

Professional liability insurance is an important coverage for pet groomers. It can help cover the cost of legal defense should you be accused of harming an animal through a mistake or negligence. If you’re held liable, this coverage could also include payout of damages awarded.

Cyber Liability

Risk Factor
Just about all businesses rely on technology in some way; it’s increasingly used to store sensitive information, such as credit cards, passwords, and social security numbers. However, you’re at risk if this information is lost, stolen, or compromised. In fact, you may even be legally obligated to alert those impacted by the breach and possibly pay for any financial loss incurred.
Solution
Experiencing a data breach is often not a question of if but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring services, and paying for regulatory defense, as well as penalties arising from privacy law violations.

Mobile Groomers

Risk Factor

Mobile grooming businesses are on the rise and they require specialized coverage. Not only is your business being transacted in various locations, you’ll also be transporting valuable equipment as you travel around your area.

Solution

Standard business auto insurance isn’t enough as these policies typically do not cover any customization made to your grooming vehicle, including tables, sinks, dryers, and the like. You’ll also want to be sure you’re covered wherever your business takes you, whether you’re on the road or parked and providing services at a client’s home.

Products Liability Exposure

Risk Factor
Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.
Solution
To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Business Income / Business Interruption

Risk Factor

Your business relies on nature and the outdoors, but nature is unpredictable and fickle. All it takes is a nasty storm to flood your rivers or an equipment malfunction on your ziplines before your business has to shut down for a few hours or more. Every minute you’re shut down means lost revenue for you.

Solution

Business interruption insurance compensates you for lost income if your business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. This type of insurance covers the revenue you would have earned based on your financial records, had the incident not occurred. The policy also covers continuing operating expenses such as rent, electricity, and ordinary payroll.

Pet Adoption Events

Risk Factor

If your business offers pet adoption events, there are a number of things that can go wrong. From event cancellation to property damage and a number of situations in between, you may be surprised to know that standard general liability insurance may exclude these claims.

Solution

Businesses that offer pet adoption events should consider special event insurance coverage. You’ll want to make sure that it provides coverage for events that include animals if any will be present. If your event will be held off-site, your policy should take that into consideration as well.