Whether it’s a dog grooming facility or a farm, working with animals requires love and compassion. On the flip side, accidents can occur involving dogs, cats, livestock and other animals -- and to the employees working with them. The encouraging news is there are several types of insurance coverage designed to protect businesses that specialize in animal care. Here are some of the most common types of policies.  

4 Insurance Plans for Working With Animals

1. Liability

If a customer is injured by an animal your business works with, liability insurance will help pay for the medical costs. Depending on the policy, coverage can also extend to wage loss and any legal claims filed by injured parties. These include attorney fees, court costs, and settlements.

2. Workers’ Compensation

This type of insurance coverage works in nearly the same way as liability insurance. The key difference is workers’ compensation provides protections for employees. Staffers who are injured by an animal bite or another mishap are generally covered. Medical expenses, rehabilitation, and wage loss during recovery are just a few of the expenses covered under a workers’ compensation policy.

3. Property

Animals can sometimes be unpredictable. If scared or anxious, they may run or struggle to get away from handlers. In the chaos, property can become damaged. The right kind of insurance coverage will cover the repair and replacement costs for a wide range of structures. These include floors, walls, furniture, farm machinery, and much more.

4. Equipment

If your business requires special equipment to work with animals, and the items malfunction, there is insurance coverage to pay for repairs. For instance, veterinarians use a variety of expensive equipment, including X-ray scans and surgical tools. An equipment coverage feature in a business insurance policy will either cover the repair or replacement costs. In some cases, policyholders may also be eligible for income loss while the damaged items are being fixed or shipped.

Working with animals can be a labor of love mixed with some risks. Having the proper insurance coverage in place helps provide financial peace of mind for business owners. Since 1906, Charles Adams Insurance Agency in Ashland, KY, has helped companies secure the reliable coverage to protect them, their employees, customers, and property. As an independent firm, the agency can shop for the best rates and terms from some of the nation’s leading carriers. If your business works with animals on a regular basis, call (606) 325-9709 for a free, no-obligation insurance quote. You can also request a quote via the website, where you’ll find information on the agency’s full suite of services.