Providing service for pets can be a hairy business, with a set of risks unique to your industry. We can help you design a policy designed specifically for your unique business operations.
As a Pet Service Provider, your business is prone to certain risks that other industries are not prone to, and not all insurance policies are designed to cover those risks. We can help make sure your coverage is designed specifically for your business operations.
How can petcare providers insurance protect you?
Use the yellow hot spots and explore how petcare providers insurance can help protect against common risks.
General Liability
Risk Factor
Your business is susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. Because of the presence of animals and the potential for high foot traffic, your business faces risks unlike other operations.
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. Additional limits are also available with a commercial umbrella insurance policy.
Cyber Liability
Risk Factor
The internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and the financial information of your customers.
Solution
Cyber liability insurance protects your business in the event of unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, extortion, accidental release of personal identifiable information, and resultant damage caused by a lost or stolen laptop or other mobile device. This coverage is quickly becoming more and more important as you embrace technology to help run your business.
Animal Bailee
Risk Factor
An animal in your care is your responsibility whether you’re offering boarding, day care, training, grooming, or medical services. Regardless of the length of time the animal is with you, you can be held liable if it is hurt while it is in your care, custody, or control.
Solution
Animal bailee provides coverage in the event an animal is injured or killed for reasons unrelated to your care. For example, this can include damages arising from fire, theft, escape, flood, or an attack by another animal.
Business Income / Business Interruption
Risk Factor
What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to work and bring in revenue, which can have a major long-term impact on the viability of your business.
Solution
Business interruption insurance compensates you for lost income if you 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 your business 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.
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 (in most cases) to have the proper coverage in place.
Solution
Workers’ compensation insurance protects your employees in the event that a job-related injury or sickness occurs during the course of their employment. This coverage is required by law, so be sure that your practice has it.
Commercial Property
Risk Factor
If a fire breaks out, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on all aspects of your business.
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 property 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.
Product Liability
Risk Factor
If your business sells merchandise such as toys, leashes, collars, or other accessories, you are responsible if something purchased at your store injures or kills an animal. If you sell food, there’s always a chance it can spoil or be contaminated.
Solution
If items you sell hurt, sicken, or cause death to an animal, you will likely face a lawsuit. Defending against such claims, settling the suit before trial, and being ordered to pay damages can all be very costly. Product liability insurance offers protection for scenarios such as this.
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 insurance policy provides high limits of insurance, typically between $2 million and $10 million. Coverage is extended over your general liability, workers’ compensation, and business auto insurance. It provides a great safety net and helps to secure protection for your business.
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.
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.
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.
Directors and Officers
Risk Factor
If part of your business includes a non-profit organization such as fundraising and adoption services, you likely have directors and officers. If a director or board member makes a decision that results in harm to the organization, you are open to a lawsuit. Defense against such claims and judgements against your business could result in significant expense.
Solution
Directors and officers liability insurance protects your directors, officers, trustees, employees, volunteers, and the entity from any act or alleged act, error, omission, misstatement, misleading statement, or breach of duty.
Our policies are supported by an A Rated (A.M. Best) insurance carrier, providing coverage options in most states. Many insurance carriers will insure Pet Service Providers, but not many will offer the unique coverage designed to protect your business from the exposures only your industry is prone to encounter.
Our programs are available for groomers, trainers, veterinarians, pet daycare, pet supply stores, pet boarding and much more!
Coverage and Benefits Available
- General Liability
- Animal Bailee Coverage
- Animals in Transit
- Auto Liability and Physical Damage
- Property Insurance
- Workers Compensation
- Loss of Income Due to an Auto Loss
- Professional Liability
- and much more!
To find out more about pet care providers insurance options, contact us today.
Let’s discuss your petcare providers insurance.
One of our insurance advisors will reach out to you to review your information and present you with the appropriate petcare providers insurance solution. There’s no obligation, just good-old-fashioned advice.
The Arizona Group offers comprehensive petcare providers insurance in Arizona and throughout the United States.
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