Dog Trainer Insurance
Dog training is rewarding, but it’s not without risks. Buy a dog trainer insurance policy today!
Trusted by over 10,000+ Pet-Care Professionals
Trusted by over 10,000+ Pet-care Professionals
Is Dog Training Insurance for me?
You probably started working as a trainer because you love dogs. And while training our furry friends is an amazing opportunity, it can open your business and employees to risk.
Personal injuries or property damage can be expected when working with dogs, especially those who are untrained or have behavioral issues. A comprehensive dog training liability insurance policy can mitigate those financial risks to your business and let you focus on what you love the most—dog training!
Instant, Affordable Coverage
The Best Insurance for Small Business Pet Professionals
Pet Protection Coverage & Veterinarian Reimbursement
Insurance for Dog Training
Our program was designed to help professional dog trainers increase the credibility of their business and get the comprehensive protection they need. Our dog trainer insurance policies include coverages that are important to dog trainers such as general liability, business personal property, and animal bailee.
Accidents Can Cost You
But they don’t have to. With the right dog training business insurance, you can protect your business from costly lawsuits and legal action.
PCI covers you with Pet Protection Coverage and Veterinarian Reimbursement when dogs get injured or sick under your care. We protect you while you focus on the pups.
Dog Training Insurance FAQ
What Is Dog Training Insurance?
Dog trainer insurance helps protect you against claims related to the daily running of your business. For instance, it can cover damages and defense costs arising from a legal claim due to bodily and property damage.
A Pet Care Insurance (PCI) policy does this through coverages such as:
- Animal bailee: Coverage for expenses in the event that you are legally liable for injuries sustained by a dog under your care or custody. This also includes the death, theft, or disappearance of a dog in your care.
- General liability: Coverage for injury or damage claims caused by your dog training business.
- Veterinarian reimbursement: Coverage for expenses incurred by veterinary care for dogs under your care.
Do I Need Dog Training Insurance?
The short answer? Yes! While there are no state requirements or mandates for liability insurance for dog trainers, it is always best to carry small business insurance for any practice. Even the most experienced dog trainers have things go awry. The right insurance policy makes sure both you and your staff members are financially protected.
From owners or dogs getting bitten to general injuries and even property damage, you could be held liable for it all. Having dog trainer insurance coverage is the responsible thing to do to keep your business out of financial trouble. Dog training liability insurance also differentiates you from your competition and helps prospective clients trust you more with their pets.
We encourage you to purchase insurance from PCI and promote it as an added benefit for owners looking for someone to trust with their dog’s training. If you have questions, please don’t hesitate to reach out!
How Much Is Dog Training Insurance?
Buying a policy from PCI is simple with our no-quote process. Our basic dog training liability insurance policy is $238/year. From there, you can choose other options to add on at an additional premium. Two popular add-on options include:
- Employee dishonesty coverage: This is similar coverage to bonding, and covers the loss or damage of property due to an employee’s theft.
- Tools and equipment coverage: This add-on to your base dog trainer insurance policy reimburses you for stolen or damaged tools and gear, such as leashes, crates, treats, or toys.
PCI’s liability insurance for dog trainers is customized to your needs through “A” rated insurance carriers. If you’re looking for dog training insurance, you’ve come to the right place.
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.
Limit per Incident: $1,000,000
Limit per Year: $2,000,000
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.
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
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.
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.
Any One Premises: $100,000
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.
Any One Person: $5,000
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.
Limit per Incident: $5,000
Limit per Year: $10,000
This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.
Limit per Incident: $1,000
Limit per Year: $5,000
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.
Limit per Incident: $2,000
Limit per Year: $2,000
*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.
If you’re looking for dog training insurance, you’ve come to the right place.
Pet Care Insurance provides policies customized to the pet care industry through “A” rated insurance carriers.
Is Pet Care Insurance Your Best Option?
We love dogs and we love dog trainers! Our specialty is providing you with financial protection in the case of accidents while working with dogs in your business.
Learn more about our included coverages for all dog trainer liability insurance policies:
You lost your client’s key when stopping by for a training appointment.
If you lose the keys, Lost Key coverage may help you manage the cost to install new locks or rekey the building.
An animal dies due to your negligence.
Animal Bailee is coverage for injury or damages sustained by an animal in your care.
An animal is injured while you are watching them.
Vet Bill Reimbursement provides coverage for medical expenses up to $1,000 per occurrence.
We’ve worked with thousands of business owners in the pet care industry and know there are risks associated with your line of work. Our dog training business insurance gives you financial safeguards in case something goes wrong.
We are committed to you and your business. We’re a trusted carrier with a team that has proven experience and leadership in the insurance industry. Our customer service representatives are knowledgeable, friendly, and ready to answer any dog trainer insurance questions you have.
And unlike other insurance representatives, we make the process simple with our no-quote system—our policies start at $238/year with multiple add-on options.
You're In Good Company With Pet Care
Didn’t have to go on such a big search to look. Exactly what I needed for my business and super quick and easy. Loved that I was able to also get a embed site seal to put on my website to insurance my clients.
I found PCI to be very helpful. They answered my questions and concerns, explaining everything I wanted to know. I'm very happy with their service!
5 star is for ease of purchase. Easy to follow website and pricing.
Insuring my Grooming Business was easy and pain free with Pet Care Insurance. They let me pick the coverage I need, specific to my business, without having to add a bunch of unnecessary coverage.
My husband and I are starting a dog training business and wanted to have an insurance policy in place before we started. The Pet Care Insurance website was very easy to navigate and within minutes, we had a policy in place.
Exactly what I needed for my business. Easy to set up. I was able to select and purchase the specific coverage that I need.
See What Else We Cover
Besides dog trainer liability insurance, Pet Care Insurance also responds to many other professionals in the pet service industry, some of whom include:
Additional Insurance Questions
What are the Benefits of Dog Training Insurance?
- Increases trust between you and your clients and can set you apart from competitors
- Covers equipment and property at your place of work
- Ensures your employees are covered, which can help to recruit strong candidates
What Is Covered with Dog Trainer Insurance?
Dog training is an exciting business because there are so many options! We know that many dog trainers go beyond “sit, stay, and come” and offer specialized training.
So, we crafted our insurance for your dog training business policy to match! Here are other types of training that can be included in your liability insurance for dog trainers:
- Dog Obedience
- Puppy Potty Training
- Crate Training
- Bite Inhibition
- Dog Agility Training
- Curbing Jumping
- Leash Training
If you have any specific questions about the training you provide, you can always contact our customer service team. If you provide many types of training, you only need to purchase one policy for many different facets of your business.
Our dog training insurance excludes training of service, medical, guard, protection, attack, fighting, and police dogs.
What Are Common Dog Trainer Insurance Claims?
Legal claims against your dog training business may seem daunting and scary when you are starting out or facing your first lawsuit. It’s a good idea to be familiar with common claims dog trainers face as they work with untrained or high-spirited dogs.
Here are some typical claims you may encounter:
- Injury: There are many different ways dogs can be injured while in your care. This can be from socialization training when you are working with different dogs at a time. Agility training, when not done correctly, can also cause injury and result in medical bills for injuries sustained. Even in bite inhibition training, there are risks for your clients and their pets. Injuries sustained by humans or dogs at your training appointments may be covered by your liability insurance for dog trainers.
- Damage: Caring for dogs that are not well-trained can result in property damage. This can happen whether you’re training at your facility or within a client’s home. Make sure you work in a clean and safe environment for all types of training, taking extra precautions when necessary.
- Loss: While not common, there are claims when a pet in your care goes missing during your training. This could happen if they escape from their leash and run off or—even less common—if they’re stolen during training. Be careful and aware of your surroundings at all times. Their owners love them and are entrusting you with their care and training!
- Accidental Death: Lastly, if a death occurs during or due to your training business practices, you can be held liable by the owner. These claims are especially heart-wrenching and nobody wants to be responsible for the death of a pet.
You never know when an accident may occur so it’s important to get covered with dog training liability insurance to protect your business from injury, damage, loss, and death.
What Is Employee Dishonesty Insurance?
This additional coverage to your dog trainer insurance policy is designed for those who hire employees.
An employee dishonesty insurance policy is similar to the process of employee bonding. It’s designed for the loss of or damage to property directly resulting from theft by an identified employee working for your business. This could be theft from either you as the owner or a client of yours.
There are two facets to employee dishonesty coverage that are important for your dog training business:
- It protects your own business and assets from employee theft, whether the employee is identified to be acting alone or in collusion with others.
- It provides protection for any claims of theft or dishonesty a client may make against your business. The coverage extends from property to money or securities owned by your client.
This option provides up to $10,000 per occurrence, or $25,000 per policy term (one year). Easily purchase employee dishonesty insurance for $59/ year by choosing to customize your policy at the time of purchase.
What Does Animal Bailee Cover?
Even the most experienced dog trainer knows that accidents and incidents can happen.
Animal Bailee, also known as Pet Protection, provides your dog training business coverage for expenses in the event that you are legally liable for injuries sustained by a dog or damages caused by a dog in your care, custody, or control.
In addition to injuries, an animal bailee policy includes the death, theft, or disappearance of a dog in your care. It also extends to damage caused by fire, wind, flood, vandalism, attacks from other animals, and other perils not related to your dog training services.
We know you do everything in your ability to provide excellent care to the dogs you train. But, ultimately, you’re not in control of the response or actions taken by an owner if a negative incident occurs. Animal bailee coverage prepares and protects you when this happens.
Because this is such important coverage, it is provided in your base policy. We also have the option to increase the limits to suit your business needs.
What Type of Dog Trainer Insurance Do I Need?
The best type of insurance for your business is general liability insurance. This coverage may cover the cost of claims that your dog training business caused injury or damage to someone else’s property. This policy starts at $21.58 per month.
Beyond that, you can customize your dog training insurance policy to meet your specific needs. Here are some additional coverages that you can add as options to your general liability policy:
- Tools & Equipment Coverage: Coverage for the tools and gear that you buy to keep your client happy or to help with training. It can reimburse you if your stuff is stolen or damaged—included items are leashes, crates, treats, toys, and more!
- Extended Animal Bailee: If you feel that $5,000 is not enough to cover a claim that may happen to a dog in your care or to the properties you work at, you may want to opt for higher limits on coverage.
- Broadened Property Damage: If you are most concerned with the claims relating to the personal property of your clients if you are dog training in their home, you may choose to increase your coverage for property damage. Increasing this will increase your claim ceiling up to $10,000 per occurrence for property damage claims.
The best part about our liability insurance is that you can customize it to suit your needs and personal risk. If you need someone to make a recommendation or help you understand coverages, call our customer service team!
How Do the Animal Bailee and Veterinary Expense Reimbursement Work?
Animal Bailee and Vet Reimbursement work hand in hand on your policy.
When a claim occurs involving an accident, injury, or sickness of an animal in your care, custody, or control, the first coverage to respond from your policy is Vet Reimbursement. This means you will be insured for up to $1,000 for this incident. (Remember there is a $250 deductible for this coverage).
If the claim you have submitted exceeds the $1,000 per occurrence limit, then Animal Bailee coverage will kick in. This can insure up to $5,000 more for the incident or claim unless you opted to increase the coverage to $10,000 or $15,000 per occurrence.
What ends up being paid out will be deducted from the aggregate limits on both coverages, but it protects your business financially to allow you to keep doing what you love!
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Insurance for Dog Training
Dog training is rewarding, but it’s not without risks. Buy a policy today!