There are many different types of businesses in the pet industry. You might own a retail establishment, a non-profit that handles pet adoptions, a training business, or a grooming shop. You could even have a combination of specialties. Whatever services your business offers for pets and their owners, one thing is for certain. You need pet business insurance that offers coverage for the unique needs of your operation.
A brick-and-mortar establishment will need insurance coverage for the business’ physical location, which could be a storefront, a training facility, a groomer shop, or a kennel. You’ll need to protect the building and its contents, and you’ll want general liability coverage for any accidents that could occur on your property or damages someone in your business causes, especially since you’re likely to have high foot traffic. If you’re on the move often, such as a mobile grooming service or a trainer who makes house calls, your needs won’t be the same.
If you allow pets in your establishment, you run the risk of someone’s animal injuring another person or animal, even if they are being handled by their owner. If you take animals into your own care, custody, or control, whether in your location or for transport, you’ll need specific coverage called animal bailee insurance to offer financial protection in the event that something happens to an animal while in your care.
If you sell food, toys, or accessories for pets, you could be held responsible if an animal is hurt or sickened by one of your products. Groomers could be sued if an animal becomes injured because of a certain shampoo. While the manufacturers will likely bear responsibility, you could be named in a lawsuit, which would be expensive to defend. Having proper liability insurance could help cover those costs, as well as any damages you are responsible for.
There are some business insurance products you’ll likely need, regardless of your industry. Commercial umbrella insurance offers protection beyond the limits of some of your other policies. Business auto insurance is vital if your business owns a vehicle or your employees use their personal vehicles to perform work duties. A cyber liability insurance policy offers protection against the financial losses associated with data breaches.
If you’re in the pet business, we can help you find the right pet business insurance for your unique needs. Contact us today for a consultation.
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