Insurance for Pet Care & Kennels

2. Property Insurance for Businesses

Since pet boarding companies depend primarily on their physical sites to function, any accident might be disastrous. This entails the purchase of commercial property insurance to safeguard the price of the equipment and boarding facility. Commercial property insurance plans will pay for replacements or repairs if the property is injured or destroyed by a qualifying risk. Fire, vandalism, theft, water damage, and windstorm are all common risks covered by business property insurance.



A dryer in the laundry room gets a problem and overheats, causing equipment, flooring, and walls to be damaged. The business property insurance will cover the cost of replacing any damaged laundry equipment or repairing the space.

3. Business Interruption Insurance

The pet boarding or pet daycare company depends on specialized facilities to shelter animals and therefore cannot readily relocate; it would be hard to sustain running your business if a tragedy such as a fire rendered the boarding facility unsuitable.

The commercial property or company owner's policy might include business interruption insurance, often known as business revenue insurance. If the company is forced to briefly cease operations due to any property damage caused by a covered danger, this coverage will compensate you for lost revenue and operational costs. Fire, windstorms, hail, lightning, vandalism, or explosions are all common risks covered by insurance.

A major storm destroys the boarding facility's roof, and you won't be able to take animals for 4 weeks while its roof is being restored. While you are unable to run the firm, business interruption insurance will cover rent costs, staff wages, and missed earnings.

4. Workers' Comp Insurance

Workers' compensation insurance covers the workers financially and medically if they are hurt or get sick as a consequence of their employment. In the event of work-related death, this coverage may also offer burial, funeral, and other death benefits to the dependents.

People's compensation is legally required in most jurisdictions, and it is a critical coverage for pet daycare establishments since the employees are at a greater risk of harm that may be unpredictable, like pets who bite or scratch the workers, resulting in catastrophic injuries. Although personnel may be trained in safe animal management and restraint procedures, there is no way to totally remove the possibility of an animal hurting a worker. Employees may also get back injuries as a result of lifting heavy objects, tripping and falling, or contracting infections from animals.

A cat that is being taken care of at the facility bites one of your staff. The employee gets a dangerous infection that requires medical treatment. While the employee is healing and unable to do the work, your insurance will pay her medical bills as well as a percentage of her missed income.

5. General Liability Insurance

Third-party physical harm, personal injury, advertising injury, and property damage are all covered by general liability insurance. This coverage will safeguard your company if customers harm themselves on the premises or if employees cause damage to someone else's property. Animals may cause slips, falls, tripping, or injuries to visitors at the pet care facilities, particularly if they have access to kennel areas.

Third-party physical harm or property damage done by your goods and finished activities is often covered under general liability plans. You might be held accountable if you sell pet treats, food, or other products at a pet care facility; if these items hurt a pet, you might be held liable. The funding to defend you against these allegations would come from your general liability insurance.

A personal and advertising injury component is also included in general liability plans, which covers a variety of non-physical injuries such as slander, libel, and copyright infringement.



For instance, a dog escapes the facility and dashes into a corridor, tripping a client bringing his pet. The client trips and falls, breaking his elbow. If the consumer sues, the general liability insurance will cover medical bills and legal fees.