Do you run a pet grooming salon, dog daycare, or offer pet-sitting services?
Have you ever worried about what would happen if a pet escapes, gets injured, or a client slips at your facility?
Purchasing insurance for your pet business isn’t just a formality—it’s protection for everything you’ve built. But with so many options out there, how do you know you’re choosing the right one?
Let’s break down the seven most important questions to ask before you buy pet business insurance—so you can move forward with more clarity and confidence.
1. What types of protection does my pet business need?
Most pet care pros should look for:
- General Liability – Covers injuries or property damage caused to others.
You might also consider:
- Commercial Auto – If you transport pets.
- Workers’ Compensation – If you have a team on payroll.
2. Am I protected if an animal gets hurt while in my care?
Not always. Many standard policies exclude animal injuries. A common misstep is assuming general liability covers everything—it doesn’t. Confirm that your policy includes coverage specifically for pet injuries, illness, or worse.
3. How is pet business insurance different from general small business insurance?
Pet businesses have unique risks.
Unlike coffee shops or boutiques, your work involves live animals—unpredictable and emotionally important to your clients. A pet-specific policy can cover:
- Escaped pets
- Bites or attacks
- Property damage caused by animals
- Zoonotic disease transmission
- Emotional distress claims from pet loss or harm
Make sure your policy is built for your line of work—not just any small business.
4. What exclusions should I look for in a policy?
Policy exclusions are the “fine print” that can leave you exposed. Common red flags include:
- Breed exclusions (e.g., Pit Bulls, Dobermans)
- No coverage for off-site work (e.g., mobile grooming)
- Exclusions for disease outbreaks
- No protection for accidental neglect or abuse claims
Ask for a complete list of exclusions—and actually read it.
5. Do I need insurance if I work solo or part-time?
Yes.
Even one pet bite, lost dog, or injured client could cost more than you make in a year. If you’re a solo operator or work weekends only, look for policies scaled to smaller businesses—but don’t skip the protection.
6. How much does pet business insurance cost?
Most policies range from $40 to $150 per month, depending on:
- The services you provide
- Where your business operates
- Your revenue and claims history
- Team size
It’s more affordable than you think—and it protects what matters most.
7. Can I bundle policies to save or simplify?
Yes.
Bundling general liability, property, and sometimes professional liability into a Business Owner Policy (BOP) can streamline protection and reduce costs.
Final Thoughts
You started this journey because you care about your clients, their pets, and your business. Asking the right questions is the first step to making smart, confident decisions.
Next step: Protect your business.
Schedule a quick discovery call to get personalized support and ensure your pet care operations are covered with confidence.
We’re here to help you safeguard what matters most—so you can focus on doing what you love.
Frequently Asked Questions
Is pet business insurance legally required?
Not always—but landlords, licensing boards, or clients may require it. Even when it’s not mandatory, it’s a smart move.
Does it cover employees?
Only if you add workers’ comp. Basic liability protects clients, not staff.
What if a dog bites someone during a walk?
With general liability and CCC, you’re typically protected.
Can I get coverage if I work from home?
Yes—but you’ll need a policy that covers home-based businesses. Homeowners insurance usually doesn’t apply.
Do I need separate insurance for driving pets?
Yes. You’ll need commercial auto coverage if you use your vehicle for work.