Pet Care Business Insurance
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Errors and omissions insurance for pet care businesses

Errors and omissions insurance icon
Errors and omissions insurance

Errors and omissions insurance (E&O) helps cover the cost of a lawsuit if a client claims your work was inaccurate, late, or never delivered. It’s sometimes called professional liability insurance.

E&O insurance protects against work mistakes

When a client accuses you of an oversight related to your care of a beloved pet, your business needs to be prepared for the consequences. Lawsuits can be disruptive to daily operations, especially for small pet care companies with limited resources. Errors and omissions insurance covers legal fees when a client sues over a mistake or negligence.

This policy offers liability coverage related to:

  • Professional mistakes, such as administration of wrong medication
  • Failure to deliver promised pet care services
  • Accusations of negligence

Talk to a licensed Insureon agent to find out if your business could benefit from this policy.

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What coverage can E&O insurance provide for pet care professionals?

Professional mistakes

Even if you’re not at fault, being accused of a mistake while a customer’s pet is in your care can be costly. For example, if a dog dies during anesthesia, your veterinary practice could face a hefty legal battle. E&O insurance for pet care businesses can cover attorney’s fees, settlements, and other costs related to mistakes and oversights.

Failure to deliver promised pet care services

Your clients have high expectations when it comes to caring for their pets. If a pet sitter misses an appointment, it could have serious consequences – especially if it’s an older pet. Errors and omissions insurance can cover legal costs if a client sues over your failure to fulfill a contract or deliver pet care services.

Accusations of negligence

Your clients have high expectations when it comes to their pets. If a client claims you did not properly secure a horse while unloading it from a trailer, and the horse suffers a leg injury, you could be sued. An E&O policy can pay for your legal defense and related costs when a client claims your negligence led to an animal’s injury.

Other policies for pet professionals to consider

E&O insurance covers lawsuits related to your work, but it does not provide complete protection. Pet care professionals should also consider:

General liability insurance: This policy can pay legal expenses related to pet injuries, customer injuries, and customer property damage.

Business owner’s policy (BOP): This policy combines general liability insurance with commercial property insurance, usually at a lower rate than if the policies were purchased separately.

Workers’ compensation insurance: Required in almost every state for pet care businesses that have employees, workers’ comp can cover medical costs for work-related injuries.

Get free quotes and buy online with Insureon

Are you ready to protect your pet care business with E&O insurance or another type of pet care insurance? Complete Insureon’s easy online application to compare quotes from top U.S. carriers. Once you find a policy that fits your needs, coverage can begin in less than 24 hours.

Updated: May 3, 2022
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