Pet Business Insurance

Protecting you while you serve our furry and fine-feathered friends.
Pet Business Insurance

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As an independent business owners insurance agency, we are here to help you find the right Business Owners Insurance coverage.

Pet business insurance to protect your business and assets.

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.

The location of your business matters.

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.

Your handling of animals could require specific pet business insurance.

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.

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The products you sell could put you at risk.

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.

Don’t forget the standard business coverages.

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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As an independent agency, we are here to help you find the right Pet Business Insurance coverage.

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As an independent agency, we are here to help you find the right coverage.
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Medical Payments Coverage and Personal Injury Protection

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it’s important to understand what’s required where you live.

Note: Actual policies must be consulted for specific terms and conditions.

Rental Coverage / Loss of Use

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Note: Actual policies must be consulted for specific terms and conditions.

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Note: Actual policies must be consulted for specific terms and conditions.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Note: Actual policies must be consulted for specific terms and conditions.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Note: Actual policies must be consulted for specific terms and conditions.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn’t have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Note: Actual policies must be consulted for specific terms and conditions.

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