Working with animals can be a rewarding profession, but businesses that handle cats, dogs, and other animals daily have certain risks. Whether you are a veterinarian, dog groomer, or own a pet boarding facility, your business needs specific insurance coverage that other professions might not require. 

What Coverage Do You Need If Your Business Works With Animals?

1. Business Property Insurance

Veterinarians and pet groomers should have property insurance to cover any physical structure that houses their business and equipment. For veterinarians, this coverage includes computers, surgical equipment, imaging machines, and kennels.

This policy can also cover groomers who provide mobile services if they accidentally damage a client’s property or business. Covered losses can vary depending on the policy, but commonly include theft, fire, and acts of nature, such as storm damage.

2. General Liability

If your animal-related business sells products or services, general liability insurance is a must. This policy would cover customers, vendors, and guests who experience an accident at your business. The American Veterinary Medical Association reported that the most common general liability claims at veterinarian offices were injuries resulting from slips, falls, and trips.

3. Workers’ Compensation

Working with animals poses a higher risk of bites and scratches for your employees. If your employee sustains any injuries while at work, they are eligible to file workers’ compensation claims.

Workers’ compensation insurance is required for all businesses with three or more employees. Workers’ compensation will cover any medical costs or lost wages that resulted from the injury. Having this type of coverage will also protect you if an employee sues you over workplace conditions.

4. Professional Negligence

Pet care professionals often provide clients with advice and care that can affect a beloved companion animal's health and well-being. If a person feels your treatment and care resulted in harm to their pet, they can sue you for negligence. This coverage is essential for veterinarians or boarding facilities. 

5. Equipment Breakdown

An equipment breakdown policy can help you replace your business-related equipment if it fails or malfunctions. This could include imaging devices and computers for veterinarians and grooming tables and dryers for dog groomers. Some policies also provide for lost wages due to equipment failure.

Richards Insurance Agency in Lincoln, NE, has been helping clients with their personal and commercial insurance needs since 1994. The full-service insurance agency is available to help your animal-related business find the best and most affordable coverage to suit your needs. They also offer free quotes. Call (402) 420-5353 to request a consultation, or visit their website to learn more about their insurance policies.