Insurance coverage is a vital investment for businesses in every industry, but those who work with animals are exposed to risks others don’t have to face. Not only do vets, dog groomers, and boarding facilities have to worry about general liability claims and property damage, but they also need protection against losses caused by unforeseeable accidents and damaged equipment. Below are a few types of business insurance anyone who works with animals should carry.

What Coverage Do I Need If I Work With Animals? 

1. Animal Bailee Coverage

General liability insurance may not cover injuries that occur while an animal is in your care. If someone’s beloved pet is hurt in the waiting room or escapes from your boarding facility, animal bailee coverage will pay for their vet bills, potentially sparing you from expensive lawsuits.

2. Professional Liability Coverage

Groomer and vets provide the safest care possible to every animal, but accidents and unfortunate outcomes do happen. If a client accuses you of malpractice, professional liability coverage will cover the cost of valid claims, as well as any legal expenses you incur.

3. Equipment Breakdown Coverage

Vet clinics and groomers both rely on expensive equipment to provide services to their furry clients. If a scanner, computer, or dryer malfunctions, equipment breakdown coverage will compensate you for any income you lost as a result.

4. Business Interruption Insurance

Most business insurance policies include coverage for property or buildings damaged in a fire, thunderstorm, or another covered event. However, you may not have enough funds to stay in business until the repairs are completed. Business interruption insurance replaces your lost revenue, giving you the resources you need to bounce back from disaster.

5. Commercial Auto Insurance

Many groomers and pet daycares offer pickups, drop-offs, or mobile services. However, if you or your staff use your private vehicle, your auto insurance company may not pay for any damage that occurred while you were working. Adding commercial auto coverage to your business insurance policy ensures you’re covered if you or an employee is involved in an accident.

No matter what industry you’re in, the independent agents at Tammy Ross Insurance have the experience and resources to help protect everything you’ve built. They’ve been serving entrepreneurs throughout Monroe, NC, since 1998, offering tailored policies from several leading national carriers. Visit their website for more on their business insurance options or call (704) 233-4981 to request your free quote today.