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Pet Business Insurance
As the owner of a pet business, your clientele expects that you’ll provide their companion with top-notch care but taking on this kind of responsibility comes with risk. Purchase Pet Business Insurance in less than five minutes and stay protected.
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APOLLO and Gallagher Partner to Protect Your Business
We've partnered with Gallagher, one of Canada's leading insurance brokers, to provide insurance designed for businesses and business professionals. Get professional liability, general liability, and/or contents insurance designed specifically for your profession.
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There are three kinds of insurance a pet business needs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance for pet businesses, responds to when lawsuits claim a business owner was providing unsatisfactory, negligent, or falsified services to a client.
General Liability Insurance
General liability insurance for pet businesses is the most basic form of coverage that absorbs any fees associated with accidents during day-to-day business operations. Typically, this policy is used against third-party claims of property damage or bodily injury.
Contents Insurance
Contents insurance for pet businesses covers any damages or losses that occur due to a covered peril. Possessing this kind of policy is especially important if the services they provide require an owned or leased workspace that stores any company-owned equipment, inventory, or furniture.
No matter the service, every kind of pet business requires insurance.
From dog walking to grooming, regardless of the service that your business provides, you must obtain insurance. Similarly to working directly with people, you must also be aware of the inherent risks when dealing with pets one on one. Every animal is different, and because of this, there will always be a chance of exposure to risk, and as the business owner, the consequences will fall on you. Whether you’re facing a lawsuit or an employee injures themselves on the job, you will be the person liable regardless of who’s at fault. That is why we understand that you’ll need adequate protection in the form of a customizable insurance plan that will provide you coverage in any situation.
Your clients have sought after your services to care for their companions, and you are expected to deliver the results they want. Yet even though you’re a trained professional in what you do, there is no guarantee you won’t make a mistake. Whether you accidentally nick an animal while grooming or fail to train it correctly, we know that you require the support of a strong insurance policy. Financial security is necessary for any business, so protect yourself today with one of our customizable insurance plans.
The service you provide with your pet business is undeniably valuable to clients, but you could suffer immensely without the proper coverage. To ensure this doesn’t happen to you, obtain a customizable insurance plan today and automatically set yourself up with lasting financial security.
Why do pet businesses need insurance?
Today, the services pet businesses provide are a necessity for pet owners. Whether they offer grooming or dog training services, their client’s expectations are high, as they require their companion to be well cared for. Though it’s the business’ job to assist animals, that doesn’t guarantee they’ll always be successful. That is why regardless of skill, there will always be risk associated with this sector, meaning there will always be a possibility of being held financially liable if an accident were to occur.
If a pet business were to own or rent their own business location, then legally, they would be required to possess both professional liability insurance and general liability insurance. Though this obligation depends on the person’s residence, it is typically needed almost everywhere to be permitted to work legally. Additionally, the business owner may also purchase these forms of insurance to ensure they will not be financially liable if a mistake or accident were to occur at their hands or an employee.
Depending on the type of pet business, it may be part of their service to provide their clients with professional advice regarding various pet products, training or techniques that they can use. However, if a client felt their recommendations were inaccurate, harmful, or costly to them in any way, then the business owner may be vulnerable to a lawsuit. In this case, possessing a form of professional liability insurance would protect them from the legal fees needed to defend themselves against these claims, regardless of their accuracy.
What types of risks do I face as a pet business owner?
Though you may feel you are an expert at the services you provide, there is no way you can guarantee that everything will go according to plan. Dealing with people’s pets, especially if untrained, can be challenging and sometimes unpredictable. Mistakes in these kinds of situations may be inevitable, and if they were to occur, you would be held liable. Without insurance, you may have to pay financial compensation or potential legal fees if your client escalates the situation to that extent. If either event were to occur, you would want the support of a solid insurance brokerage by your side to ensure you’re financially covered no matter what.
If your pet business has an office or leased space, you, your employees, and your clients could be at risk. Whether an employee slips, trips and falls or your client’s dog were to scratch and damage your floors, you may be liable regardless of circumstance. To avoid incurring any additional legal or medical expenses, your business must obtain a general liability policy to absorb these costs.
Though unlikely, if a fire or flood were to occur in your workspace, then your pet business could face severe consequences. Peril, or unexpected, events tend to cause significant damage or losses to a business. Without coverage, you’ll have to pay out of pocket for any replacements or repairs needed for your business to operate again.