Opening a pet services business takes heart—a love for animals and a commitment to their health and welfare. But it also means that you’re a business owner who needs to protect your assets and plan for the “what-ifs,” making sure you’re as committed to covering your business interests as you are to caring for your clients (and their owners) who depend on you.
Here, we’ll take a look at the typical insurance needs of pet service professionals.
Understanding Your Business Risks
Pet service professionals face unique challenges when it comes to business liability in their day-to-day work. Not only do you need to make sure the animals in your care are kept safe and healthy while you’re serving them, but your customer-facing working environment needs to be safe too, for your employees and pet owners.
Consider the financial risk associated with these all-too-realistic scenarios:
- A boarded pet escapes your facility’s enclosure and disappears
- Damage is caused to a client’s property while you’re there performing pet services
- A client slips on a wet floor at your property and is injured
- You injure a client’s cat during a grooming session
- A client’s dog attacks another animal, causing serious injury
- A pet ingests poison while in your care and passes away
With a few exceptions, these are risks all pet-focused businesses face, from pet stores and pet food makers to kennels and pet daycare facilities, not to mention groomers, trainers, and veterinarians. Coverage for these types of losses may not be offered under standard commercial business owner policies. You don’t want to discover any insurance gaps after the unthinkable happens.
Are you prepared if a lawsuit is filed? If you are held financially liable for legal fees and damages, you could lose your savings and your business—everything you’ve worked hard to build.
Getting the Coverage Your Pet Care Business Needs
The fact is, you need to make sure all of your bases are covered as a business owner in the pet care industry. Make sure you’re prepared with these different types of insurance coverages:
General Liability – to protect your business from injuries or property damage that occurs as the result of your pet services business operations.
Pet Services Professional Liability – to cover for accidents related to the performance of your professional pet care services, such as grooming, boarding and obedience training.
Commercial Property – to protect your place of business as well as the equipment and items you use to conduct business, such as kennels, crates, and training and grooming equipment.
Business Income – to cover the loss of income in case you can’t run your business because of covered damage to your property.
Animal Bailee – to cover for accidental injury, death or disappearance of animals owned by others while in your care at your business location, while in transit, or in a vehicle.
Talk with your local independent agent to make sure your insurance program is providing sufficient coverage. Acadia’s Pet Services program provides specialty coverages to help pet services professionals manage the unique exposures of their business. To find an insurance agent near you, visit our agent locator.
Acadia Insurance is pleased to share this material with its customers. Please note, however, that nothing in this document should be construed as legal advice or the provision of professional consulting services. This material is for general informational purposes only, and while reasonable care has been utilized in compiling this information, no warranty or representation is made as to accuracy or completeness.