Pet Health Insurance  |  FAQ  Blog   Contact  844.520.6990

Does an Animal Care Service Business Need Product Liability Insurance? 

close up of cat getting claws clipped

When you are searching for animal care insurance most business owners are concerned about general liability, animal bailee, veterinarian expense, and lost key coverage. What many animal service providers don’t consider is product liability insurance coverage. Although most pet-sitting, dog grooming, or pet-walking businesses don’t have a large product liability exposure there may be incidental business practices that could increase exposures you may not be aware of.

We will be reviewing what product liability is, how to recognize if you have product liability exposures and how to protect your business from these exposures.

What is Product Liability Insurance?

Product liability insurance is a coverage that provides bodily injury and property damage protection from products you manufacture, sell, handle, or disposed of.  As you are reading this you may think, “I don’t have any products I manufacture”, but you may. Let’s explore this further.

Manufacturing is the process of turning raw materials or combining parts of materials, into a finished product.  Let’s look at some examples that may be relevant to the animal care service industry:

  • A pet groomer purchases essential oils and adds them to a castile soap to create a shampoo. The groomer has essentially taken parts of materials – essential oils and castile soap – and combined them. This shampoo now becomes the pet groomer’s product creating a product liability exposure. If a pet has a bad reaction to the shampoo the product liability portion of the policy would respond to this claim.
  • A pet sitter creates a dog treat using various ingredients – peanut butter, bacon, oats, etc. By creating a dog treat from raw materials like these you have a product liability exposure.  If the dog gets sick from the treats, the product liability portion of the policy would respond to this claim.
  • A dog walker decides to make their own leash from paracord. If a dog is injured due to the leash you created, the product liability portion of the policy would respond to this claim.
  • A pet chew toy is created from a rope and tennis ball. Another example of a product created by combining parts of materials.  Your creation becomes your product.  Any bodily injury or property damage occurring from this toy would be covered under product liability insurance.


There are other examples of product liability exposures your business assumes even if you do not make any products.  Remember that any products manufactured, sold, handled, or disposed of by you are considered “your product”. Think of all the products that you “handle” or “dispose of”, they are not your products, but you can be named in a lawsuit for damages from these products.

For example, you purchase organic pet food from a local vendor at a farmer’s market. The pet ingests the food and becomes ill.  The pet owner will look to you for compensation and in turn, you look to the local vendor that sold you the product…. only to find out they are out of business. Your product liability could respond to the claim although it was not a product you personally created or manufactured.

Although your primary business functions may not be producing pet products, the incidental activities – as illustrated above – could expose your business to product liability claims.

image of lots of dog tools and treats and food

How Do I Protect Myself from Product Liability Claims?

If you have purchased a Commercial General Liability (CGL) policy, it probably includes product liability insurance coverage.  If you look at your current CGL policy on the declaration page – which is the page that outlines your insurance coverage, coverage dates, etc. – it may show limits like this: 

limits of insurance

General Aggregate Limit (Other Than Products-Completed Operations)


Products/Completed Operations Aggregate Limit


Personal and Advertising Injury Limit


Each Occurrence Limit


Damage to Premises Rented to You Limit

Any One Premises

Medical Expense Limit

Any One Person

Pet Protection (Animal Bailee) – Animals In Your Care, Custody, or Control

Each Occurrence

Aggregate Limit

Veterinarian Expense Reimbursement

Each Occurrence

Aggregate Limit


Lost Key Liability Coverage

Each Occurrence

Aggregate Limit

Within the general liability summary, there is a coverage “Products/Completed Operations Aggregate Limit”. If there is a limit of insurance showing within this coverage line, you most likely have product liability coverage. You can see this indication on our coverage details page. Although the limits may show product liability coverage, we recommend you discuss with an insurance professional if there are any limitations or exclusions on the product liability coverage.

If your current Commercial General Liability (CGL) policy does not provide adequate product liability coverage, you may want to consider a broader CGL policy or purchase a Products-Only Liability policy.  These policies provide liability coverage to products that are specifically outlined in the policy.

For example, you manufacture dog treats and have a Product-Only policy listing dog treats as the product insured.  Later you add collars to your product line.  A pet is injured due to your collar, and you report it to your insurance carrier.  Because it was not a “listed product” on the policy the insurance carrier is not obligated to respond to the claim. 

dog sitting in pet store

Discuss Possible Product Liability Exposures

When reviewing, or looking for, animal care insurance for your business it is important to have an open dialogue with your agent and discuss your current business operations and any future strategies you may be considering. By discussing the possible exposures for your business will allow them to provide and suggest insurance coverages to best suit your needs. 

In addition, if you make any changes in your business operations during the year it is essential to tell your agent to make sure that it’s covered and won’t cause any issues on your renewal. There are many times that a business makes a pivot and then causes eligibility issues with its insurance carrier. It is better to know upfront if the business operation changes will cause any insurance issues.

From dog grooming insurance to pooper scoopers, the Pet Care Insurance program has general and product liability solutions for you.  For businesses with a brick-and-mortar footprint, or needing additional lines of coverage, our partners at Insurance Canopy can provide other insurance offerings to meet the needs of your business.

For more information about the Pet Care Insurance Program, please call one of our licensed representatives at 844.520.6990.

Chris Van Leeuwen profile picture
Author: Chris Van Leeuwen

Chris Van Leeuwen has been in the insurance industry since 1987. Chris obtained his Certified Insurance Counselor (CIC) designation in 1996 and is an approved continuing education instructor in Utah. Chris is the Vice President of Agency Development which includes education, training, and managing carrier relationships.

Annual Pet Insurance Policy

This policy is for professionals who work in the pet care industry.

Starting at:


Not ready to purchase at this time?

Set a reminder to come back at a more convenient date.

Contact Info

7:00am – 5:00pm MT | Mon – Fri

Call: 844-520-6990


Terms and Conditons

  • 1) No Purchase Necessary:

    No purchase is necessary to enter or win the contest. Purchasing will not increase your chances of winning the contest.

  • 2) Eligibility:

    The contest is open to legal United States residents who are 18 years of age or older at the time of entry. The contest is only open to those who follow the instructions and enter their name and email address on the website landing page Employees of Pet Care Insurance, their respective affiliates, contractors, subsidiaries, advertising and promotion agencies and partners, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the contest. The contest is subject to all applicable federal, state and local laws and regulations. Void where prohibited.

  • 3) Agreement To Rules:

    By participating, you agree to be fully unconditionally bound by these rules, and you represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of Pet Care Insurance (PCI), as final and binding as it relates to the content. The contest is subject to all applicable federal, state and local laws.

  • 4) Contest Period:

    Entries will be accepted online starting on or about November 23, 2018 and ending 10:30 AM MST on December 3, 2018. All online entries must be received by December 3, 2018 10:30 AM MST. There will be one winner.

  • 5) How To Enter:

    To enter the contest, one must enter their first name, last name, and email address into the contact form located exclusively on You may enter only once. You may not enter more times than indicated by using multiple email addresses, identities, or devices in an attempt to circumvent the rules. If you use fraudulent methods or otherwise attempt to circumvent the rules, your submission may be removed from eligibility at the sole discretion of Pet Care Insurance (PCI). All disputes will be resolved at the sole discretion of Pet Care Insurance (PCI). In the event the entry collection mechanism suffers a technical failure, Sponsor may elect to randomly select another email subscriber to designate the winner of this giveaway. [Note: If you would like to remove yourself from consideration for this giveaway, please email Pet Care Insurance (PCI) at with the subject line “Opt-Out – Attn: Ryan Muir”]

  • 6) Prize:

    here will be 1 (one) winner who will receive 1 (one) Amazon Gift Card. The Approximate retail price of the Amazon Gift Card is = $100 USD. At the discretion of PCI, the gift card may be delivered either electronically or by means of free standard shipping to the United States.PCI reserves the right to substitute an item of equal or greater value if any items listed above are out of stock or otherwise unavailable. Actual/appraised value may differ at the time of prize award. The specifics of the prize shall be solely determined by the Sponsor. No cash or other prize substitution permitted except at Sponsor’s discretion. The prize is non-transferable. Any and all prize related expenses, including without limitation any and all federal, state, and/or local taxes shall be the sole responsibility of the winner. No substitution of a prize or transfer/assignment of a prize to others or request for the cash equivalent by winners is permitted. Acceptance of prize constitutes permission for PCI to use winner’s name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.

  • 7) Odds:

    The odds of winning depend on the number of eligible entries received. One entry per person/email address.

  • 8) Winner Selection And Notification:

    Winners of the contest will be selected based on content quality under the supervision of the Sponsor. Winner will be notified via message to the email address that they used or phone number they submitted to enter the contest within five (5) days following the winner selection. PCI shall have no liability for a winner’s failure to receive notices due to winners’ spam, junk e-mail or other security settings or for winners’ provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is ineligible, fails to claim the prize within 15 days of the time award notification was sent, or fails to timely return a completed and executed declaration and releases as required, the prize may be forfeited and an alternate winner selected.

    The receipt by winner of the prize offered in this contest is conditioned upon compliance with any and all federal and state laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY ANY WINNER (AT SPONSOR’S SOLE DISCRETION) WILL RESULT IN SUCH WINNER’S DISQUALIFICATION AS WINNER OF THE CONTEST AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.

  • 9) Rights Granted By You:

    By entering this contest you understand that Pet Care Insurance, anyone acting on behalf of Pet Care Insurance, or its respective licensees, successors and assigns will have the right, where permitted by law, without any further notice, review, or consent to print, publish, broadcast, distribute, and use, worldwide in any media now known or hereafter in perpetuity and throughout the World, your entry, including, without limitation, the entry and winner’s name, portrait, picture, voice, likeness, image or statements about the contest, and biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation.

  • 10) Terms:

    Pet Care Insurance reserves the right, in its sole discretion to cancel, terminate, modify, or suspend the contest should (in its sole discretion) a virus, bugs, non-authorized human intervention, fraud or other causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the contest. In such case, Pet Care Insurance may select the recipients from all eligible entries received prior to and/or after (if appropriate) the action taken by Pet Care Insurance. Pet Care Insurance reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the contest or website or violates these Terms & Conditions.

    Pet Care Insurance has the right, in its sole discretion, to maintain the integrity of the contest, to void votes for any reason, including, but not limited to; multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by contest rules; or the use of bots, macros or scripts or other technical means for entering. Any attempt by an entrant to deliberately damage any web site or undermine the legitimate operation of the contest may be a violation of criminal and civil laws and should such an attempt be made, Pet Care Insurance reserves the right to seek damages from any such person to the fullest extent permitted by law.

By entering the contest you agree to receive emails periodically from Pet Care Insurance and to receive a phone call from Pet Care Insurance. You can opt-out of receiving this communication at any time by clicking the unsubscribe link in the email.

  • 1) Limitation Of Liability:

    By entering you agree to release and hold harmless Pet Care Insurance and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers and directors from any liability, illness, injury, death, loss, litigation, claim or damage that may occur, directly or indirectly, whether caused by negligence or not, from (i) such entrant’s participation in the contest and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof, (ii) technical failures of any kind, including but not limited to the malfunctioning of any computer, cable, network, hardware or software; (iii) the unavailability or inaccessibility of any transmissions or telephone or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) electronic or human error which may occur in the administration of the Promotion or the processing of entries.

  • 2) Disputes:

    THIS CONTEST IS GOVERNED BY THE LAWS OF The United States of America AND California, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this contest, participant agrees that any and all disputes which cannot be resolved between the parties, and causes of action arising out of or connected with this contest, shall be resolved individually, without resort to any form of class action, exclusively before a court located in Utah County, Utah, USA having jurisdiction. Further, in any such dispute, under no circumstances will participant be permitted to obtain awards for, and hereby waives all rights to claim punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this contest), and participant further waives all rights to have damages multiplied or increased.

  • 3) Privacy Policy.

    Information submitted with an entry is subject to the privacy policy stated on the Pet Care Insurance website.

  • 4) Winners List:

    To obtain a copy of the winner’s name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to:

    Pet Care Insurance

    c/o: Marketing Department

    260 South 2500 West Suite #303

    Pleasant Grove, UT 84062

    Requests must be received no later than December 3, 2019.

  • 5) Sponsor:

    The Sponsor of the contest is:

    Pet Care Insurance

    260 South 2500 West Suite #303

    Pleasant Grove, UT 84062

  • 6)

    This promotion is in no way sponsored, endorsed, or administered by, or associated with, Facebook, Twitter, or any other Social Network. You are providing your information to PCI and not to any other party.

Comparing Employee Dishonesty Coverage & Bonding

PCI’s employee dishonesty coverage is similar to a bond, but there may be some key differences to consider.

Employee dishonesty coverage:

  • Can be purchased in the same transaction
  • Doesn’t run credit checks
  • Provides $10,000 per occurrence and $25,000 aggregate coverage

Bonds may differ from our dishonesty coverage by:

  • Checking your credit during the application process
  • Having a “Conviction Claus;” Often bonds won’t pay on claims unless there is a conviction
  • Many require you to reimbursement the bonding company after a claim is paid