Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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pet business insuranceWhen it comes to pet business insurance, many company owners might wonder if it is a necessity. While laws in different areas will vary in what is required of a business owner, whether insurance is purchased or not is ultimately in the hands of the company.

The owner of the company must determine what the business needs and how to meet those necessities. Understanding the insurance is often the first step in determining if it is right for the company’s needs.

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What is Pet Business Insurance?

Before it is possible to determine if insurance is a necessary part of the business it is important to clarify the purpose of the insurance. Pet business insurance is designed to meet the needs of a company that works with pets. The pets can range from dogs and cats to birds and hamsters, depending on the company.

The main purpose of the insurance is protection against the risks associated with pet care businesses. Whether the business is made for grooming and pampering pets or simply walks the pets while owners are at work, some risks are associated with the career choice.

Common coverage the insurance provides against parties who are not pet owners might include property damage or hospital bills from humans who might get bit or injured by the animal’s actions. For risks associated with the pet owners, companies might want to cover potential problems like a pet getting sick while under their care or even a pet death that might occur in pets who are already sick, injured or elderly.

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Common Coverage Options

Insurance for pet businesses have a wide range of coverage options to consider. Different companies will provide different coverage options, but many fall under similar categories.

dog biting another dog

  • Liability Coverage: Business liability coverage is one of the minimum coverage options. Business owners are provided basic coverage for problems that might arise like the loss of a pet, an injury to a pet, property damage caused by the animal while it was under the business owner or employee’s care and injuries to humans that occur as a result of the pet’s behavior while being cared for by the business.
  • Equipment and Material Coverage: Business owners who worry about damage to the company equipment might consider adding coverage for their equipment. Equipment coverage pays for damage to the equipment used in the business like trucks, pet care products or grooming equipment. If damage occurs for any reason, such as a crash, natural disasters or pets breaking items, the insured business owner can pay for the repairs or replacement with the insurance.
  • Legal Coverage: Another common coverage option is against legal actions pet owners or third party individuals might take when upset about any problem that might occur. For example, if a pet bites a third party individual they might sue the business. Legal coverage is designed to help pay for any legal problems that might occur.

Though many insurance companies offer more coverage options and policies designed to fit a specific type of pet business, the main keys are often covered under basic liability, equipment and legal insurances.

Is Pet Insurance Necessary?

The question of whether a pet business should opt for insurance is simple to answer. In general, any business owner should have basic insurance to cover potential risks associated with their company. This does not change for pet businesses who are trusted with the care of beloved family pets.

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Finding Insurance

Since it is clear that pet businesses have clear needs for insurance against damages, loss of pets or other problems that might occur, finding the insurance becomes the next task. Finding insurance that best fits the needs of the company usually requires comparing and contrasting multiple insurance companies.

Two options are available in the search: calling the company or using the Internet to search for insurers. In general, the Internet will offer faster quotes and information because the websites are readily available at any time of the day or night and some websites provide numerous results in one search. Phone quotes will generally take longer, though the company might offer special rates and deals over the phone that are not available online. Phone and online quotes will give a basic idea of the cost and coverage details associated with insuring the business.

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Comparing Insurances

When comparing the companies, ask for quotes and find out what is covered under the different types of business insurance offered. Every insurance company will offer insurance plans that differ from other companies.

comparing pet business insuranceIn some cases, it might be necessary to include special coverage needs, such as insurance coverage against the death of a pet if the company does not include the coverage under their plans. This will often cause a slight increase in the final cost of the insurance.

Only after ensuring that the company is providing needed coverage and that the cost is reasonable for the business needs is it appropriate to finalize which insurance is the best fit. The best insurance company might not always be the expected outcome when all factors that are important in coverage and cost are included in the purchase.

Buying Insurance

Upon finding the best pet insurance company, it is then time to make the purchase. The method of payment varies between insurance companies and the business owner’s preferences.

In many cases, the company will allow monthly payments or payments once every six months. Other payment plans might be available depending on the insurance company and their policies. The insurance company will provide the paperwork details of the insurance once the payment goes through and the account is active.

Pet businesses often require insurance to protect business owners, employees, volunteers and third parties who might have contact with the pets. The coverage varies on the company and the preferred plan, but often provides peace of mind that expensive costs will not come out of the business and lower profits dramatically should the worst case occur.

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