If you own a veterinary office, pet grooming operation, rescue center, or another company that works with animals daily, your business coverage needs are extremely specific. Here, review what types of insurance animal-centric businesses benefit from. All of the following will protect your business or organization from numerous liability issues.

What Insurance Do Businesses Working With Animals Need?

1. Commercial General Liability

General liability coverage protects against out-of-pocket expenses for injuries and property damage on commercial premises. For example, if a customer slips and falls on a floor that’s wet from grooming procedures, general liability business coverage helps pay for medical expenses. It also provides coverage for animal-related injuries, such as a customer who was bitten by a dog while surrendering a cat to a shelter.

2. Equipment Breakdown Coverage

Businesses that work with animals often rely on expensive equipment to keep furry friends healthy and safe, including ultrasound, anesthesia, and x-ray equipment. Business coverage for equipment breakdowns helps pay for repair and replacement costs to sidestep serious expenses and keep your doors open to animals who need shelter, medical care, or grooming.

3. Professional Liability

If you routinely dispense advice to pet owners as part of your business, professional liability insurance provides protection against clients who claim “negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice,” according to the Insurance Information Institute. It provides coverage from injuries animals sustain while under care as well, such as accidentally cutting a dog’s gums while cleaning its teeth.

4. Auto Insurance

Pet companies frequently rely on vehicles for tasks such as picking up stray animals, providing mobile vet services, and transferring animals who require surgery or other specialized care. Commercial auto insurance avoids expenses from vehicle breakdowns and accidents. If your employees use their personal vehicles to transport animals, your policy should include coverage for non-corporate cars and trucks. 

Discuss your business coverage needs with Jenkins & Bevan Insurance, the insurance company serving Lorain County, OH, for 35 years. Call the independent agency known for personalized services today at (440) 984-6771 today for a free quote or visit the company online for more business coverage information.