Animal Shelter Business Insurance

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Animal Shelter/Kennel
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Why do animal shelters need insurance?

Providing refuge for animals is selfless work, but it’s not without its hazards. If a dog or cat injures a visitor or staff member, it could trigger a hefty lawsuit. Animal shelter insurance covers legal fees and other costs that might otherwise derail your goal of rehoming pets.

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One application, multiple quotes

Insureon helps animal shelters and rescues compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do animal shelters need?

These policies cover the most common risks at an animal shelter.

General liability insurance icon

General liability insurance

General liability insurance covers basic risks, such as an overly excited animal tripping a visitor. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged visitor property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner’s policy bundles general liability and property insurance in one plan. A BOP is often one of the most cost-effective commercial animal rescue insurance policies.

  • Visitor injuries
  • Damage to visitor property
  • Business property damage
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), can help cover expenses if someone sues your shelter for improper care of a dog, cat, or other animal.

  • Accusations of negligence
  • Failure to rehome animals as promised
  • Failure to recognize an animal’s injury
Directors and officers insurance icon

Directors and officers insurance

D&O protects board members and officers against legal expenses if they are sued for a decision they made on behalf of your animal shelter that led to financial loss.

  • Mismanagement of funds
  • Failure to perform official duties
  • Defamation by a board member or officer
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for animal shelters that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Employment practices liability insurance icon

Employment practices liability insurance

If an animal shelter is sued by an employee over a violation of employee rights, employment practices liability insurance (EPLI) can pay for legal costs.

  • Sexual harassment lawsuits
  • Discrimination claims
  • Claims of wrongful termination
Looking for different coverage? See more policies.

How much does business insurance cost for nonprofits?

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Several factors will have an impact on insurance costs, including:

  • Nonprofit services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs

How do I get animal shelter insurance?

It's easy to get animal shelter business insurance and fidelity bonds if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your animal shelter, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
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