A dog bite or an accusation that your board mismanaged funds could lead to a lawsuit that hinders your mission of helping homeless pets. Stay on track with policies designed for animal shelters.
These policies provide coverage for the most common risks at an animal shelter.
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.
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.
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.
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.
Workers’ compensation insurance is required in almost every state for animal shelters that have employees. It can cover medical costs for work-related injuries.
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.
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.