Pet Care Business Insurance is designed for pet groomers, doggie daycares, kennels, pet sitters, and boarding businesses. Depending on the situation, important exposures may include animal injuries, bites, escaped pets, grooming accidents, employee injuries, and care-custody-control exposures.

Peninsula Insurance Servicescan help clients in Michigan compare available options from multiple insurance companies and review differences in coverage, limits, deductibles, eligibility, and exclusions.

Why Consider Pet Care Business Insurance?

Pet-care businesses are entrusted with animals belonging to other people. A dog could be injured during grooming, escape from a daycare, bite another animal, or require veterinary treatment while in the business’s care.

Insurance can help transfer some of these financial risks, but no policy covers every situation. Coverage should be matched to the actual property, operation, vehicle, activity, or professional service involved.

Pet Care Business Insurance Coverage Options

The coverage that may be appropriate depends on the specific situation. Options may include some of the following protections.

General Liability Insurance

General liability insurance may help with covered third-party bodily injury and property damage claims arising from the insured’s operations or premises.

Animal Bailee Coverage

Animal bailee coverage may help with certain covered injuries to animals while they are in the business’s care, custody, or control.

Professional Liability Insurance

Professional liability insurance may help with certain covered allegations that advice, services, errors, or omissions caused a client financial harm.

Commercial Property Insurance

Commercial property insurance may help protect eligible buildings, contents, equipment, inventory, and other insured business property against covered losses.

Workers’ Compensation Insurance

Workers’ compensation may help pay eligible medical expenses and lost wages after a work-related employee injury or illness. Requirements vary by state.

Pet Care Business Insurance FAQs

Does pet business insurance cover an animal injured while in my care?

Animal bailee or similar care-custody-control coverage may help with certain covered injuries to customers’ pets while they are in the business’s care.

What if a dog bites another dog or a customer?

Liability coverage may respond to certain covered bite or injury claims, but insurers consider the services offered, animal types, supervision procedures, and prior incidents.

Do dog groomers need professional liability insurance?

Professional liability can be useful when a claim alleges that grooming, handling, or another professional service caused an animal’s injury.

Does pet care insurance cover escaped or lost animals?

Some specialized pet-care policies may address certain costs or liabilities involving escaped or lost animals. The exact protection varies considerably by insurer.