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Pet Care Business Insurance
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Recommended insurance policies for pet care professionals
Whether you do pet sitting in your home or own a grooming shop, you’re responsible for the safety of your clients’ pets. Business insurance provides financial protection against pet injuries, property damage, and other risks.
General liability insurance
This policy covers common pet care risks, such as a dog or cat being injured while in your care. Bundle with commercial property insurance for savings in a business owner’s policy.
BEST FOR
- Pet injuries
- Customer injuries
- Damaged client property
Business owner’s policy
A BOP bundles commercial property and general liability coverage in one plan. It's often the most cost-effective type of business insurance for a pet care professional.
BEST FOR
- Pet injuries
- Customer injuries
- Stolen or damaged business property
Errors and omissions insurance
E&O, also called professional liability insurance, can cover lawsuits related to work mistakes, such as a pet sitter forgetting to stop by a client’s home.
BEST FOR
- Failure to deliver promised services
- Accusations of negligence
- Work mistakes or oversights
Workers’ compensation insurance
Most states require workers' comp for pet care businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Cyber liability insurance
This policy helps pet care businesses recover financially from data breaches and cyberattacks. It's recommended for any small business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
Commercial auto insurance covers the cost of an auto accident involving a vehicle owned by your pet care business. Each state has its own auto liability insurance requirements.
BEST FOR
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does pet care business insurance cost?
Several factors will have an impact on insurance costs, including:
- Pet care services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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