Every company needs business insurance to protect them against an unpredictable future—for example, to cover them in the event of a fire that destroys much of their equipment. However, those who work closely with animals—for instance, veterinary clinics and pet groomers—face particular risks. The guide below looks at some of the options you need to be fully secure.

4 Types of Essential Business Insurance for Dealing With Animals

1. Workers’ Compensation

Even well-behaved pets can be unpredictable, and a dog bite—or a cat scratch—could require a number of stitches. Workers’ compensation pays for medical treatment if an employee should suffer workplace injuries or illness. It also protects you from being sued, because employees who accept the free medical care waive the right to seek additional damages from you.

2. Animal Bailee Coverage

A bailee is someone who takes responsibility for the property of another—including that person's pet. This coverage protects you in the event that a pet should suffer injury or death while in your care. However, it normally excludes injuries caused by neglect or dishonest actions.

3. General Liability Coverage

General liability is a type of business insurance that pays for medical treatments or repairs if a customer should suffer injury or property damage on your premises or as a result of actions by you or your employees. This covers injuries or damages caused by pets in your care, so if a dog you're grooming should escape your grip and bite another customer, the policy covers the cost of medical treatment.

4. Professional Responsibility Coverage

Also called malpractice insurance, this is particularly important for veterinarians. It covers losses or damages caused by misdiagnosis, bad advice, or other errors in your professional capacity. It also pays for legal fees that might arise out of the incident.

To purchase business insurance for your veterinary or pet grooming business, contact Michael E Glick Insurance in Boerne, TX. They have served clients in and around Hill Country since 1991 and specialize in commercial, property, life, and auto insurance. Visit their website to submit a contact form or call (830) 816-9488 to request a quote.