Protect your brand, finances, and future with pet care business insurance

The experience of owning a business is unlike any other. It’s a journey that reveals many valuable lessons in flexibility and adaptability. When each new day delivers a different set of challenges, you quickly learn how to roll with the punches. But there are some days that can bring much more than you expected and your ability to navigate the toughest moments can depend a lot on how you’ve prepared for them.

Accidents happen — especially when working with animals — and when they do, having the right resources in place will help you create a path for effectively resolving them. One of the most important things you can do for your pet grooming, daycare, or boarding business is protect it with business insurance. Discover the risks of operating without it, the different types of coverage options available, and how to insure your business.

Three reasons to insure your pet care business

There will always be risk in running any business, but when you operate without the protection of business insurance, you open yourself up to vulnerabilities that can disrupt your operations, set you back financially, and threaten the future of your business.

Protect yourself from financial loss

Whether you’re the victim of a crime, the unlucky party involved in an accident, or caught in a lawsuit with a client, the financial impact of these incidents can be significant. If your business is left taking on the property damage costs or legal fees, it can be difficult to recover from, even if business is going well. Having business insurance protects you from the financial loss that could be disruptive and in some cases, detrimental.

Preserve your brand’s reputation

Your reputation is one of your brand’s most valuable assets. It’s something you’ve carefully built right alongside your business. But, of course, everyone makes mistakes and if something doesn’t go according to plan, you want to have safeguards in place that preserve your business and your reputation if a client or former employee takes steps to challenge it.

Defend the future of your business

For entrepreneurs, dreaming big doesn’t stop with the launch of a business. You may have plans for the future of your pet care business, whether it’s expanding into other services, offering new product lines, or opening multiple locations. Don’t let circumstances that are out of your control inhibit your growth aspirations or diminish what you’ve already worked so hard to achieve.

A summary of business insurance types and their use cases

If you don’t already have coverage in place, you may have a lot of questions around what type of business insurance you need to keep your brand well-protected. Below is a summary of common business insurance policy types that may be relevant to your business needs.

Insurance Type	Coverage Included	Sample Use Case
General Liability	Claims related to bodily injury, personal injury (e.g. libel), property damage, and more	One of your employees publishes negative statements about a competitor who then ends up suing your business for libel.
Property	Claims of property damage resulting from natural disasters, accidents, or vandalism	Your boarding facility is the victim of vandalism that results in expense repairs.
Business Owner’s Policy (BOP)	A combination of business property and liability claims	A client’s pet is injured during a grooming appointment and sues your business for medical bill costs.
Professional Liability	Claims of negligence or personal injury resulting from your services	An employee administers the wrong medication to a pet that is staying in your boarding facility.
Umbrella	Claims that go outside of or exceed the limits of your other policies	While dealing with a lawsuit, your pet daycare accrues legal fees that exceed the coverage of your general liability insurance.
Workers’ Compensation	Claims of work-related injuries or illnesses	One of your employees is hurt while interacting with a pet, which results in a trip to the ER.

How to get coverage or switch business insurance providers

As a pet care business owner you already know one of the most dependable resources supporting your business operations and growth is your pet business management software. In some cases, your software provider may even offer integrations and partnerships with other critical assets that you can leverage, including affordable business insurance. This gives you a great place to start exploring your coverage options and an opportunity to maximize the value of your software subscription.

If you have an existing pet care business insurance provider, it doesn’t necessarily mean you’re locked into a policy. It’s important to keep your options open and periodically conduct price comparisons or research other policies from providers that may better fit the needs of your business.