Pet Store Insurance

Save up to 25% on business insurance for pet stores.*

Choose your primary coverage to get started:

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Pet store insurance could help protect you from

Customer injuries

Someone slips, trips or gets hurt in your store.^**

Product liability

A product you sold causes harm to a customer’s health or damages their property.

Property and inventory damage

A covered event such as a fire, theft or burst water pipe damages your inventory, equipment or space.

Business interruption

A covered incident forces you to close temporarily and lose income.

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Get pet store insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Pet business insurance can help protect you, your business and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

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ERGO NEXT specializes in business insurance for pet stores

Pet store insurance is usually several types of policies working together to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for pet stores

Protection for damage to other people's property and injuries to non-employees

General liability insurance could help with financial protection if someone other than an employee is injured at your pet shop, or if you or your employees accidentally damage someone else's property. For example, it may help if a customer slips in an aisle or an employee damages a client's property while visiting your store, depending on the policy.

general liability can help you pay for:

Legal fees to defend your business after a claim

Damage to someone else’s property

Medical expenses for someone hurt on business premises

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Workers' Compensation insurance

Often required to help cover the costs of employee work-related illness or injury

Workers' compensation insurance could help pay for medical expenses and lost wages if an employee is injured on the job — and it's often required if you have employees. This can be especially important for pet stores, where employees may lift heavy bags of food or stock shelves. Owner's coverage can also help protect you.

workers compensation can help you pay for:

Medical expenses and permanent injury

Lost wages and job retraining

Employer's liability in the event of legal action against you

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Commercial Property insurance

Protect your building, inventory, equipment and other business property

Commercial property insurance could help protect the property you rely on to run your pet shop, including the building space you own or lease, as well its contents like pet food, supplies, shelving and displays, refrigerator cases, computers and POS systems and other business gear. It may also help replace lost income if you have to temporarily close for repairs after an event like a fire, burglary, vandalism or extreme weather damage.

commercial property can help you pay for:

Damage from fire and windstorms

Broken and damaged property from theft and vandalism

Business income loss if you have to close temporarily for repairs

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Product Liability insurance

Coverage for injuries and damages from the pet food, toys and other products you make or sell

Product liability coverage — included with general liability insurance at ERGO NEXT — could help protect your pet store from losses if a customer claims that a product you sold caused them injury or property damage. This can apply to damages or injuries incurred from pet food, treats, toys, grooming supplies or other pet products you make or sell, depending on the policy.

product liability can help you pay for:

Property damage if a defect with your product causes harm

Costs if a defect with your product causes injury

Legal fees if you have to defend yourself for faulty products

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BOP Insurance (Business Owner’s Policy)

General Liability plus Commercial Property coverage in one package

BOP insurance combines the protections of both commercial general liability insurance and commercial property insurance at a price that’s often more affordable than buying two separate policies.

business owners policy can help you pay for:

Slip-and-fall injuries (bodily injury)

Damage to other people’s property

Broken and damaged property from theft and vandalism

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ERGO NEXT Insurance reviews

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

Small business insurance

I thought next was easy to use, great rates and outstanding follow-up.

Taylor M.

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

Deborah H.

Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

Myles C.

Great!

Hassle free and great to work with. Affordable.

Anthony G.

Peace of mind

easy to apply and and customer service is very responsive

Darrell W.

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

Annick L.

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

JOEL C.

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

Save up to 25% in discounts on pet shop insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does pet store insurance cost?

Pet store insurance can be more affordable than you might think. The cost depends on several factors, including:

The size of your pet shop.
The products you sell, such as pet food, live animals or specialty supplies.
Your business location.
Your number of employees.
Your annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to see your exact pet store insurance cost is to get a free, no-obligation quote. In about 10 minutes you’ll see the exact cost of business insurance for your pet store tailored for your business.

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How can insurance for pet stores help your business?

Pet shop insurance can help your business to:

Protect your store, inventory and equipment. Business insurance could help protect the retail space you own or lease from things like fire, theft or vandalism. You could get protection for your merchandise, pet food, supplies, shelving, electronics and other business property, as well as the building space itself.
Supplement loss of income. If your business suffers a catastrophe like extreme weather damage, a broken water pipe or a burglary that shatters windows and doors, business insurance could help cover lost income while you close temporarily for repairs.
Handle liability claims against you. If a customer is injured at your shop or if your business accidentally damages someone else’s property, your insurance could help with your legal defense costs.
Deal with product liability issues. If a pet product you make or sell is alleged to cause bodily injury or property damage, liability coverage may help with covered claims.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Make deliveries, transport supplies or drive for business. If you or your employees drive a car, van, truck or trailer for work, commercial auto insurance could help protect your business.

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Pet store insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

Does ERGO NEXT Insurance offer commercial property coverage for pet stores?

Yes, ERGO NEXT Insurance offers commercial property insurance, workers’ compensation and general liability coverage for pet stores.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.