Dog Trainer Insurance

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Insurance for Dog Training

Dog Training Insurance FAQ

What Is Dog Training Insurance?

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How Much Is Dog Training Insurance?

Do I Need Dog Training Insurance?

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Coverages to Fit Your Circumstances

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

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

Why Go With Pet Care Insurance?

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

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

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An animal dies due to your negligence.

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

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An animal is injured while you are watching them.

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

Additional Insurance Questions

This coverage is designed for the loss of or damage to property directly resulting from theft by an identified employee working for your business; either when stolen from you or your client. There are two facets to employee dishonesty coverage that are important for your pet training business.

First, it protects your own business and assets from employee theft. Whether the employee is identified to be acting alone or in collusion with other persons.

Second, 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. It gives an additional piece of protection for you, your clients, and your business.

This option provides up to $10,000 per occurrence, or $25,000 per policy term, which is 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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Animal bailee provides your training business coverage for expenses in the event that you are legally liable for injuries sustained by an animal or damages caused by an animal in your care, custody, or control. This also includes the death, theft, or disappearance of an animal in your care.

This coverage also extends to damage caused by fire, wind, flood, vandalism, attacks from other animals, and other perils not related to your training services.

Because this is such important coverage, it is provided in your general liability policy, with the option to increase the limits to suit your business needs!

Keep doing your best to take excellent care of the animals in your care, but realize that ultimately you are not in control of the response or actions taken by the owner if a negative incident occurs at your work. Be prepared with animal bailee coverage.

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There are many types of training businesses for dogs and pets that can be covered by a dog trainer policy. Some of those are specialty trainings that go beyond sit, stay, and come. Here are other types of training that can be included in your general liability policy for dog training:

  • 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 customer service! If you provide many types of training, you only need to purchase one policy for many different facets of your business.

Our policy excludes training of service, medical, guard, protection, attack, fighting, and police dogs.

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Claims may seem daunting and scary when you are starting out or facing your first lawsuit. Dog trainers face some common claims because they are working with untrained or high-spirited animals.

Injury: There are many different ways pets in your care can be injured. 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 animals at your training appointments may be covered by your policy.

Damage: Caring for animals that are not well trained can result in property damages. Whether training at your facility or within a client’s home there are risks for damage caused by those furry little friends. Make sure you work in a clean and safe environment for all types of training.

Lost: While not common, there are claims when a pet in your care goes missing during your training. This could be that they just escaped their leash and ran off or that a dog you are training is stolen. Be careful and aware of your surroundings, 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 trainer insurance to protect your business from injury, damage, loss, and death.

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The best type of insurance for your business is general liability insurance for dog training. 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.

Here are some additional coverages that you can add as options to your general liability policy:

  • Tools & Equipment Coverage: For the tools and gear that you buy to keep your client happy or to help with training, this coverage can reimburse you if your stuff is stolen or damaged. That includes 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 pet 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 training, pet sitting, or house-sitting for a client, 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 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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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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The short answer is always yes! While there are no state requirements or mandates for insurance coverage for dog trainers, it is always best to carry small business insurance for any practice. Working with animals always carries risks for you, the animals, and their owners. Finding the right coverage amounts, at the right price makes that insurance purchase so much easier!

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!

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