Why do pet boarding businesses need insurance?
Pet boarding involves significant risk. A dog could escape a kennel, or bite one of your employees. Pet boarding or dog day care insurance can protect you from costly litigation and losses from injuries, theft, and accidents.
Find affordable coverage
Dog boarding and doggie day care companies can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of insurance do kennels and dog day care facilities need?
These insurance policies cover common risks of pet boarding and day care.
General liability insurance
A general liability policy covers basic pet boarding risks, such as a dog biting a customer at your kennel. Bundle it with property insurance for savings in a business owner’s policy.
- Pet injuries
- Customer injuries
- Libel and other advertising injuries
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for pet boarding businesses to buy general liability coverage and commercial property insurance together.
- Pet injuries
- Customer injuries
- Business property damage
Errors and omissions insurance
This policy covers legal costs related to work performance, such as a pet owner who sues over a dog’s death at a kennel. It's sometimes referred to as professional liability insurance.
- Accusations of negligence
- Mistakes that lead to pet injury
- Failure to deliver promised services
Workers’ compensation insurance
Most states require workers' comp for pet boarding businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Legal costs from employee injuries
Cyber insurance
This policy helps pet boarding facilities recover financially from data breaches and cyberattacks. It's recommended for any small business that stores customer information.
- 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 a pet boarding business. Each state has its own auto liability insurance requirements.
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle theft and vandalism
How much does pet boarding business insurance cost?
A small pet boarding business will pay less for insurance than a larger facility.
Factors that affect pet boarding insurance premiums include:
- Pet care services offered, such as pet sitting or dog walking
- Business property and equipment
- Business income and location
- Types of insurance purchased
- Number of employees
- Policy limits and deductibles
How do I get pet boarding insurance?
It's easy to get pet boarding or day care business insurance 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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 and fidelity bonds for your pet day care or kennel business, whether you work independently or hire employees.
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