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Dog Trainer Insurance

Dog training is rewarding, but it’s not without risks. Buy a dog trainer insurance policy today!

Most popular

$259/ year

As low as $21.58/month!
From tail wags to well-behaved pups, protect your training business with insurance that's 'pawsitively' amazing!
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Trusted by over 10,000+ Pet-care Professionals

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Lloyds of London company logo

Trusted by over 10,000+ Pet-care Professionals

4.9/5

Backed by

Lloyds of London company logo

Is Dog Training Insurance for me?

Instant, Affordable Coverage​

The Best Insurance for Small Business Pet Professionals

Pet Protection Coverage & Veterinarian Reimbursement

Insurance for Dog Training

Accidents Can Cost You

dog trainer claims graphic Caught infection while at training - $244.66 Dog overheated at training - 
$1.205.46 Dog bit visitor while training - $7,766.92 Dog bit other dog at training -
$24,449.98
 Dog training lawsuit - $56,678.71

Dog Training Insurance FAQ

What Is Dog Training Insurance?

dog running with a ball in their mouth
dog in training sitting and waiting for a treat

Do I Need Dog Training Insurance?

How Much Is Dog Training Insurance?​

dog trainer with dogs sitting on grass

What's Covered

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.

$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.

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: $2,500

Limit per Year: $5,000

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: $2,500

Deductible: $250

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

Is Pet Care Insurance Your Best Option?

Uh-oh! text graphic

You lost your client’s key when stopping by for a training appointment.

Uh-oh! text graphic

If you lose the keys, Lost Key coverage may help you manage the cost to install new locks or rekey the building.

Oh No! text graphic

An animal dies due to your negligence.

Oh No! text graphic

Animal Bailee is coverage for injury or damages sustained by an animal in your care.

Ouch! text graphic

An animal is injured while you are watching them.

Ouch! text graphic

Vet Bill Reimbursement provides coverage for medical expenses up to $1,000 per occurrence.

You're In Good Company With Pet Care Insurance

Here's what other people have to say about their experience.

See What Else We Cover

Additional Insurance Questions

Besides protecting you against legal claims from running your business, liability insurance for dog trainers has a few additional benefits:

  • 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

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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
  • Socialization

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.

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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.

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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.

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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.

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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!

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Pet Protection & 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 $2,500 more for the incident or claim unless you opted to increase the coverage to $5,000, $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

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