Pet Care Business Insurance
Compare multiple quotes from top carriers with one application.
What kind of work do you do?
Beautiful border collie lying in the grass after long play.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

How much does business insurance cost for pet care professionals?

Several factors contribute to the cost of pet care business insurance, including the type of work you do with pets. Cost estimates are sourced from policies purchased by Insureon customers.

General liability insurance icon

General liability insurance costs for pet care businesses

Pet care businesses pay a median premium of about $40 per month, or $480 per year, for general liability insurance. This policy provides financial protection for accidental injuries to customers and their pets. It also covers slander, copyright infringement, and third-party property damage.

Insureon’s licensed agents recommend a business owner’s policy (BOP) over a standalone general liability policy. A BOP combines general liability insurance with commercial property insurance to protect your animal hospital, grooming shop, or other pet care facility, and costs less than purchasing each policy separately.

General liability costs depend on the size of your business

Among pet care businesses that purchase general liability with Insureon, 39% pay less than $400 per year and 42% pay between $400 and $800 per year. The cost depends on the size of your business and the amount of risk involved, such as frequent interaction with clients' pets.

Cost of general liability insurance for pet care businesses.

Common general liability policy limits for pet care businesses

Policy limits determine how much your insurer will pay on covered claims. The per-occurrence limit is the maximum your insurer will pay for a single incident, while the aggregate limit is the maximum your insurer will pay on any claims during your policy period, typically one year.

Nearly all pet care companies (98%) choose general liability policies with a $1 million per-occurrence limit and a $2 million aggregate limit. As your small business grows, you may need to expand your policy limits.

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's general liability insurance cost analysis page.

Compare insurance quotes for pet care professionals from top U.S. carriers
Workers’ compensation insurance icon

Workers’ compensation insurance costs for pet care businesses

Pet care businesses pay a median premium of $120 per month, or $1,440 per year, for workers’ compensation insurance.

Businesses with employees typically must purchase this policy to fulfill state requirements and avoid penalties. Workers' comp helps cover medical bills and partial lost wages when an employee suffers a work-related injury or illness.

Sole proprietors may decide to purchase this policy to gain protection against work injuries, which health insurance providers can exclude.

Workers' comp costs depend on the number of employees

Among pet care companies that purchase workers’ compensation insurance with Insureon, 38% pay less than $1,000 per year, and another 28% pay between $1,000 and $2,000 per year.

The cost of this policy is determined by the number of employees and their occupational risk, among other factors.

Cost of workers’ compensation insurance for pet care businesses.

Learn how workers' comp premiums are calculated and more on Insureon's workers' compensation insurance cost analysis page.

Business owner’s policy icon

Business owner’s policy costs for pet care businesses

Boarders, groomers, and other pet professionals pay a median premium of about $45 per month, or $550 per year, for a business owner’s policy. This policy combines general liability insurance with commercial property insurance, typically at a lower rate than if the policies were purchased separately.

A BOP protects against customer and pet injuries and property damage, along with damage to your own business property. Because of its increased coverage and affordability, it’s the policy most often recommended by Insureon’s licensed agents.

BOP costs are driven by the value of your business property

Among pet care companies that purchase a business owner’s policy with Insureon, 53% pay less than $600 per year, and another 33% pay between $600 and $1,200 per year. The cost depends primarily on the value of the property owned by your pet care business.

Cost of a business owner’s policy for pet care businesses.

Business owner’s policy limits for pet care professionals

Most pet care professionals choose a business owner’s policy with a $1 million per-occurrence limit and a $2 million aggregate limit.

Your profession affects the cost of a BOP

The cost of a BOP depends on your type of pet care business and its size. Businesses with large premises, such as animal hospitals, typically pay more for a business owner’s policy than smaller businesses like pet sitters. Your building maintenance, years in operation, and your location will also affect your premium.

The annual median premium for an animal hospital is $985, while the median for a pet sitter is $500 – or less than $45 a month. As you can see, the cost varies quite a bit across professions.

Median annual cost of a business owner’s policy for pet care businesses by profession.

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's business owner's policy cost analysis page.

Errors and omissions insurance icon

Errors and omissions insurance costs for pet care businesses

Errors and omissions insurance (E&O) protects pet professionals from legal costs related to mistakes or oversights, such as a veterinary misdiagnosis. This policy is also called professional liability insurance.

The cost of E&O depends on your type of pet care business and key operations factors. Veterinarians and other pet specialists whose work depends on their expertise and advice typically pay more for errors and omissions insurance.

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's errors and omissions insurance cost analysis page.

Compare quotes from trusted carriers with Insureon

Insureon’s pet care business insurance agents work with top-rated U.S. carriers to find affordable coverage that fits your business. Apply today to compare multiple quotes with one free online application. Work with an account manager specializing in the unique risks of veterinarians, pet boarders, and dog walkers.

Updated: May 3, 2022
Compare pet care business insurance quotes
Save money by comparing insurance quotes from multiple carriers.
What kind of work do you do?
EXPLORE ON INSUREON
Recommended insurance policies for pet boardingRecommended insurance policies for pet groomersRecommended insurance policies for pet trainers and dog walkersHow do I get cheap business insurance?8 top tips: how to compare small business insurance quotes
TOPICS