Working with animals can be a fun and fulfilling career, whether you’re providing health care or helping pets look and feel their best via grooming. However, as an owner of a business that works with animals, you must also protect yourself from common risks. The following are a few types of insurance to consider to safeguard your business against many risks.  

What Type of Insurance Does Your Business Need if You Work With Animals?

1. General Liability Coverage

Legal liability is an issue for all business owners, but it’s particularly relevant to vets and pet groomers. Imagine there’s a spill at your business during a vet visit, or you accidentally leave a puddle of water on the ground after washing a client’s pet. Should a customer slip and fall, you could be subject to a costly lawsuit or responsible for subsequent medical bills. General liability covers damages, like customer injuries, and will also pay for court costs if your case does make it to trial. 

2. Property Coverage

Your vet clinic or grooming business can’t function without a base of operations. However, if your building is damaged by fire, inclement weather, or other events, you’ll likely pay for the repair costs out of pocket to ensure you can keep earning a living.

Much like coverage for your home, property coverage provides compensation for damage to your building, so you don’t have to pay out of pocket. It’s also recommended that you implement equipment coverage for those items that are essential to your operation, such as diagnostic equipment or grooming tools. 

3. Professional Negligence

Veterinarians can also be accused of malpractice if their medical advice or procedures cause harm. The same issues may befall groomers, who may inadvertently injure an animal in their care. While general liability falls short in these areas, professional negligence provides sufficient funding to pay damages to clients, which can be quite expensive, depending on the nature of the claim. 

When shopping for insurance for your business, finding quality coverage at affordable prices is a must, which is precisely what Kelley Agency provides to clients throughout Lorain, OH. Because they’re an independent agency, they leverage their strong working relationships with multiple carriers to secure the best coverage for the right price. They also pride themselves on excellent customer service, whether you have policy questions or need help making a claim. Schedule an appointment today by calling (440) 282-8898.