Animals are furry and lovable, but while they don’t intend to, they can cause property damage and other accidents. This is especially an issue if your company works with animals on a regular basis. However, the right business insurance policies will protect you, your property, and clients. They will pick up the tab for repairs, replacements, and medical expenses. 

What Insurance Do You Need if Your Business Works With Animals?

1. Property Protection

This type of coverage extends to both office structures and possessions damaged by an animal. Items can include carpeting, furniture, and exterior structures such as parking lots and garages. Policyholders typically pay their deductible first, and any remaining repair or replacement costs are paid by the business insurance provider.

2. General Liability

If an animal is injured due to an accident or neglect, general liability insurance will cover their medical care expenses. Veterinarian offices and groomers should have this protection in place to guard against the unexpected. Without it, they will be financially responsible for the injured animal’s care and must pay out of pocket for any lawsuits filed by the owner.

3. Commercial Vehicle Coverage

Your business may require transporting animals to homes and other facilities. If an accident occurs and an animal is injured, commercial insurance pays for their medical expenses. Similar to personal auto insurance, it also covers repair and replacement costs for any vehicle damage. Depending on your company’s needs, you may also want to include other protections within your business insurance policy, such as collision protection if your car gets into an accident.

4. Workers’ Compensation

In most states, companies are required to have workers’ compensation, depending on the number of people employed. For firms that work primarily with animals, this coverage is especially important since employees can get injured during handling and treatment. If a staff member sustains an injury, workers’ compensation pays for their medical expenses and other related costs. Wage losses during recovery are also covered.

Unfortunately, animal behavior is unpredictable, particularly if your business works with pets regularly. Protect your company by having the proper coverage in place. Since 1960, Kalita Agency in Litchfield County, CT, has provided affordable and reliable business insurance to a wide range of industries. Their agents take the time to get to know you and your company’s needs. Based on your preferences, they shop on your behalf from some of the nation’s leading carriers to secure the best coverage for you. To learn more and receive a free, no-obligation insurance quote, call (860) 274-8882. You can also get a quote via their website.