Even the most well-trained pets can cause the unexpected. The best pet care insurance coverage offers you protection from a wide range of unexpected events and accidents, from your assistant veterinarian getting knocked to the ground by a strong dog and suffering a head injury to a client needing stitches after getting bitten at your pet boarding business.
Having the right types of pet care insurance policies for your business means that you don’t have to pay entirely out of pocket after an accident or to defend your business. You can run your business and keep tails wagging without worrying about those pesky “what if” scenarios.
Pet care liability insurance can help cover costs for pet trainers, pet store owners, pet groomers and more if they find themselves in the unfortunate situation of being accused of causing an injury or damaging someone else’s property. Insurance also can offer financial protection if someone says your marketing efforts were misleading or slanderous.
We combine two types of liability insurance in our business insurance packages:
General liability is the insurance coverage that most pet service business owners buy first because it covers some of the most common accidents when you work with clients — property damage and injuries to non-employees.
For example, you’ll have financial help if a client slips on a wet floor in your pet grooming shop and fractures their wrist. General liability coverage in your insurance package would help pay for their medical expenses and even legal costs if they take you to court.
Professional liability insurance (also known as errors and omissions), provides financial protection if someone claims you didn’t provide the services you agreed on or from professional mistakes, whether you actually made them or a client just thinks you did.
For instance, say you forget to give the cat you’re pet sitting its medication, causing it to get very sick. The cat’s owners are angry and threaten to sue your pet boarding business for damages. Professional liability can cover legal costs if a client sues over your failure to fulfill a contract or deliver pet care services.
You can save up to 25% when you buy insurance for pet care businesses with NEXT. The exact amount you pay will depend on:
Workplace injuries can happen more frequently than you might think, especially with the unpredictable nature of animals.
Workers’ comp makes those situations easier by helping to pay for medical expenses and illnesses that happen to you or your employees while on the job. It can also help to cover lost wages while the employee is recovering.
This coverage is required for businesses with employees in every state except Texas.
Have a mobile pet grooming or pet training business? You’ll need commercial auto insurance in most states if you own work vehicles that are titled to your business.
You can use a commercial auto policy to insure your personal vehicle if you use that vehicle for your business, but you can’t apply your personal car insurance to your company car. So if you drive your own van to job sites it probably won’t be covered under your personal car insurance.
Pet care business owners who own or rent physical spaces — such as pet store owners or veterinary clinics — will need property insurance to help protect business equipment, inventory and furniture.
If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs of expensive crates and pet food inventory or shop repairs.