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Coverage Limits & Details

Having pet business insurance is essential to pet business owners. It provides financial protection against unforeseen events such as accidents, injuries, or property damage. Here’s everything you need to know about what our coverage includes and offers:

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Get the Coverage Pet Professionals Need

General Liability

Yearly Policy Limit: $2,000,000 (included)

This coverage is crucial for any business that deals with pets. Whether you run a pet grooming salon, a dog walking service, or a pet boarding facility, having the right pet business insurance coverage can protect you from potential lawsuits and financial losses.

General liability coverage provides protection against claims for bodily injury or property damage to third parties, such as your clients, that may occur on your premises or as a result of your services. With the unpredictable nature of working with animals, having insurance coverage specifically tailored to the pet industry’s unique risks is essential for your business’s success.

Yearly Policy Limit: $10,000 (included)

Animal bailee coverage specifically protects businesses that have custody of animals belonging to others. It provides financial protection in the event you are legally liable for injuries or damages sustained by an animal in your care, custody, or control. This is included in your basic coverage with additional options/upgrades.

Yearly Policy Limit: $5,000 (included)

Vet bill reimbursement coverage includes medical expenses for a client’s pet in your care, regardless of fault. It covers expenses for pets in your custody or control. This is included in your basic coverage with additional options/upgrades.

Claim Example: A client’s dog ate something that made it sick before you arrived. It then started vomiting during a walk in the park. You take it to the vet, and the medical bills for the treatment cost you $700. To receive reimbursement, you pay the vet $700 first and file a claim with PCI after deducting the applicable deductible.

Lost Key Liability Coverage

Yearly Policy Limit: $2,000

This protects the business owner in the event that a client’s keys are lost or stolen while in their care. This coverage will help cover the cost of repairing or replacing locks. It also provides liability protection in case any damage or theft occurs as a result of lost or stolen keys.

Having Lost Key Liability Coverage ensures peace of mind for both the business owner and their clients, as it mitigates potential financial losses and protects the business reputation.

Other Coverages Offered/Add-ons for Pet Business Insurance

When it comes to insuring your pet business, it’s important to consider add-ons that are available to protect your business and its assets. These add-ons pair perfectly with your main coverages to give you total protection. Some of the available options include:

Equipment & Inventory Coverage

This coverage, also known as Inland Marine Insurance, provides protection and compensation for damaged or stolen equipment, inventory, and supplies. This coverage extends to various items, such as dryers, clippers, kennels, food, leashes, shampoos, and more.

This type of coverage provides financial protection against property damage caused by pets under the care of the business. Whether it’s a pet grooming salon, a pet boarding facility, or a pet training center, accidents can happen, and property damage is a possibility.

Employee Dishonesty Coverage

This coverage protects the business owner from financial losses that may result from fraudulent or dishonest activities committed by employees. The risk of employee theft or embezzlement can be significant in a pet business where employees have access to valuable assets, such as expensive equipment or cash. This coverage works similar to bonding, giving the business owner protection from unscrupulous staff.

Pet Business Insurance Limits

Limits of Insurance

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$1,000,000
$2,000,000

Each Occurrence
Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.

 $2,000,000

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libel a person or organization
  • Oral or written publication or material that violates a person’s right of privacy
  • The use of another’s advertising idea in your advertisement

 $1,000,000

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

 $1,000,000

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

 $100,000

Any One Premises

A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.

$5,000

Any One Person

This provides your pet business with coverage in the event that you are legally liable for injuries or damages sustained by an animal in your care, custody, or control.

$2,500
$5,000

Each Occurrence
Aggregate Limit

This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.

$1,000
$2,500
$250

Each Occurrence
Aggregate Limit
Deductible

This coverage is designed to protect and pay for equipment or supplies that suffer damage or theft. This includes dryers, clippers, kennels, food, leashes, shampoos and more.

Up to $10,000
Up to $50,000
$250

Limit per Incident
Limit per Year
Deductible

If you were to lose the keys to a client’s residence, this coverage could help you manage the cost of installing new locks or having the building rekeyed.

$2,000
$2,000

Each Occurrence
Aggregate Limit

* Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions.

Policy Coverage Information for Pet Business Insurance

Take a look at what our base policy covers and what each business activity coverage includes to customize a policy to your business needs:

  • Basic care of client’s pet(s)
  • Bathing and brushing not tied to grooming services
  • Teaching basic sit and stay commands
  • Overnight care in a client’s home
  • Drop-in visits for clients’ pet(s)
  • Food, water, and medication administration
  • Walking clients’ dog(s) for any amount of time
  • Taking clients’ dog(s) to a dog park
  • Any form of general activity of the client’s dog(s)
  • Pet grooming
  • Regular teeth cleaning
  • Intended for grooming professionals
  • Training beyond basic sit and stay commands
  • Pet corrective behavior training
  • On-leash obedience training
  • Day-to-day pet waste removal operations
  • Injuries to third parties while on the job
  • Damage to a client’s yard
  • Overnight care at your business location
  • Daytime care and exercise for a client’s pet(s)
  • Food, water, and medication administration

Benefits of Purchasing Pet Business Insurance from PCI

Discover the benefits of purchasing pet business insurance with us, offering smooth online transactions and hassle-free experiences with unique features. With great options and customizable coverage, you can trust PCI to provide quality insurance. Some of the benefits include:

Buy Online in 10 Minutes or Less

Downloadable Certificate at Checkout

Streamlined Claim Filing

Service Agents Through Live Chat

Pricing Breakdown Chart

General Liability Price

$1,000,000 per occurrence, 

$2,000,000 aggregate limit (included) ✅

Animal Bailee Coverage Price

$2.5K per occurrence, $5K aggregate limit (included) ✅

$5K per occurrence, $0K aggregate limit (+$1.99 / month)

$10K per occurrence, $20K aggregate limit (+$4.17 / month)

$15K per occurrence, $30K aggregate limit (+$8.33 / month)

Vet Bill Reimbursement Price

$1K per occurrence, $2.5K aggregate limit (included) ✅

$1K per occurrence, $5K aggregate limit (+$3.99 / month)

Lost Key Liability Coverage Price

$2,000 per incident, $2,000 per year (included) ✅

Equipment & Inventory Price (Add-on)

$2,000 per occurrence, $4,000 aggregate limit (+$4.08 / month)

$5,000 per occurrence, $10,000 aggregate limit (+$5.75 / month)

$10,000 per occurrence, $50,000 aggregate limit (+$22.42 / month)

Broadened Property Damage Price (Add-on)

+$2.42/month

Employee Dishonesty Price (Add-on)

+$4.92/month

 

What’s Excluded from Pet Business Insurance?

Here at PCI, we aim to offer coverage to as many professionals as possible. We continuously improve and broaden our coverage to meet consumer needs. Before you initiate your coverage with us, you might want to review our exclusions page here.

Protect Your Business with Pet Business Insurance from PCI

If you own a pet business, it is essential to protect your investment and assets with pet business insurance from PCI. With this insurance, you can have peace of mind knowing that your business is covered in the event of accidents, injuries, or property damage. Discover why PCI is the best choice for your business. Learn more about us today.

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