Take the time to “paws” and reflect whether you are protected.
Kennel insurance to protect the pets and your business.
A lot of animals in one place at one time is a lot of responsibility. Complexity abounds with many breeds of different types of animals, varying behaviors, and degrees of training and special issues. This brings up risks unique to kennels and pet daycares.
Specialty coverage that goes beyond traditional insurance.
Insurance for kennels is as much a place for special knowledge, attention to complications, and outside-the-norm expertise as managing a kennel or pet daycare itself. Unlike most insurers, PetBizInsurance.com recognizes your special needs and has created specialty kennel insurance customized for kennel and pet daycares alike.
What does our kennel insurance package cover?
What makes us special are the coverages that protect you and your employees from claims brought against your business for the rendering or failure to render your professional services in the course of your operation. Our unique offering is the customers’ pets animal bailee coverage that pays for the direct loss of animals that a client leaves in your care. It even covers perils for which you are not legally liable.
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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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?
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.
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.
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 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.
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
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.
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
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.
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.
Real world example of the risks kennels face.
One evening, just like every other evening. A cacophony of barks is the first clue that this is a business like no other. A spark unseen by human or animal eyes changes everything. Though the fire is caused by a fault in the wiring from many years before your kennel occupied this space, it doesn’t matter to the animals injured or killed, or to the damage or death of your business once the lawsuits follow.
How kennel insurance can safeguard your business.
You don’t need an event as extreme or as tragic as that described above to need better protection, the kind you can only get from a policy designed specifically for kennel and pet daycare owners. If you are responsible for a kennel or a pet daycare business, you need specialty kennel insurance to safeguard your business. Here’ what our kennel insurance package can cover:
- Pays to repair or replace your business’ building, including equipment, stock, and other related contents.
- Covers business income and extra expenses based on actual loss of earning for up to a full year from the incident.
- Protects your business against claims for injuries to your customers and others that arise from your products or operations.
- Protects you and your employees from claims for the rendering or failure to render professional services that lead to the injury of pets.
- Covers the direct loss of animals that a client leaves in your care. It even covers perils for which you are not legally liable.
Coverage options from an agency that understands your business.
We created pet business insurance solutions, like our kennel insurance package, because National Dog Groomers Association of America members were having problems with regular insurance companies covering any claim that involved damage or loss of an animal. Most other policies exclude the animal and most insurance companies do not understand the nature of your business, which is why you need a specialist who specializes in serving pet businesses.
Get the coverage that’s made for your business instead of generic, catch-all insurance. Let PetBizInsurance.com help protect you and your business with kennel insurance. Contact us to discuss your options.
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