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 rescue insurance covers legal fees and other costs that might otherwise derail your goal of rehoming pets.
These insurance policies cover the most common risks at animal shelters.
A general liability policy covers basic risks involving the public, such as an overly excited puppy tripping a visitor at a fundraiser. Bundle it with property insurance for savings in a business owner’s policy.
A business owner’s policy, or BOP, bundles general liability coverage and commercial property insurance at a discount. It protects against common lawsuits and business property damage.
This policy, also called errors and omissions insurance (E&O), can help cover expenses if someone sues your animal rescue center for improper care of a dog, cat, or other animal.
D&O insurance 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.
Most states require workers' comp for animal rescue groups that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
If an animal shelter is sued by an employee over a violation of employee rights, employment practices liability insurance (EPLI) can help pay for legal costs.
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 nonprofit, 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:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your animal rescue organization, whether you work independently or hire employees.