Whether it’s a grooming center or a veterinarian’s office, accidents and property damage come with caring for animals. Without the proper insurance in place, the costs could be astronomical. If you have a business that works primarily with dogs, cats, and other pets, the guide below lists several policies to protect your firm from the unexpected.

What Coverage Is Needed When Working With Animals?

1. General Liability

Imagine that an animal is accidentally injured on the premises. General liability insurance will pay for their medical care. The coverage typically includes physical injuries, accidental ingestion, and other health-related mishaps. Depending on the policy, the pet’s owner may also be covered if they are injured as well, after the business owner pays the deductible.

2. Workers’ Compensation

Employees who work with animals of all kinds are just as susceptible to becoming injured. Bites, bone fractures, lacerations, and other physical accidents require medical treatment. Workers’ compensation pays for their care and can include physical therapy. Some insurance plans also cover an employee’s loss of wages while they are recovering. Depending on the state, businesses may be required to provide this coverage if they have a certain number of employees.

3. Commercial Vehicle Insurance

If your business involves the transport of animals, commercial vehicle insurance should be secured. Just as with personal car insurance, the coverage is designed to pay for repair costs and the treatment of bodily injuries. There are a variety of policies available including coverage against underinsured and uninsured drivers who were at fault.

It pays to have protective measures in place if your business works with animals. The proper insurance can save time, money, and frustration. Since 1948, Comaltex Insurance Agency in New Braunfels, TX, has proudly served the community by offering affordable and comprehensive policies. The independent firm offers quality coverage from some of the nation’s leading carriers, including Progressive®, Safeco®, and Texas Mutual®. For a free, no-obligation insurance quote, call (830) 625-7511. Visit the website for information on services for both individuals and business owners.