Groomers, veterinarians, and other professionals that work primarily with animals understand the job comes with some risks. Unfortunately, dogs, cats, and other four-legged creatures may unintentionally cause property damage and physical injuries. To protect against the unexpected, there are several types of business insurance policies your company should have.

4 Business Insurance Policies You Should Have if You Work With Animals

1. General Liability

When an animal is injured due to neglect or by accident while on your company’s premises, the pet’s owner could sue you. Depending on the extent of the injuries, the costs could be substantial. General liability covers lawsuit costs, including attorney fees and legal settlements.

2. Workers Compensation

Most states require companies to have a workers compensation policy in place. The coverage is especially important if your business works with animals on a regular basis. An employee may get seriously injured and have to miss work to recover. This type of business insurance pays for the medical expenses and wage losses up to a certain designated limit. Employees who use their company’s workers compensation insurance must agree not to sue the employer.

3. Property Protection

In the act of handling, caring for, and treating animals, they may get nervous and lash out. The result can be costly damage to furniture, floors, walls, and glass windows and doors. Property protection picks up the tab for the repair or replacement costs on any interior and exterior items and structures after the policyholder has paid their deductible.

4. Commercial Vehicle

If your company transports animals to homes, emergency care, and other facilities, accidents on the road can occur. Commercial vehicle coverage pays for medical expenses if an animal is injured. This business insurance policy also pays for the repairs and replacement costs if your company’s vehicle is damaged. There are a variety of policies available, and you will need to choose one based on the type of car you use.  

Protect your employees, building, and vehicles with the proper business insurance policies for working with animals. Since 1973, Chanler Agency in Geneseo and Livonia, NY, has been the go-to provider for comprehensive and affordable coverage. The family-owned firm never takes a cookie-cutter approach when helping to assess their clients’ unique needs. As an independent agency, they also search on your behalf for the best rates from the nation’s leading providers. For a free, no-obligation insurance quote, call (585) 243-5520 for the Geneseo office or (585) 346-3118 for Livonia. Visit the website to learn more about their products and services.