Why do dog trainers need insurance?
Training dogs often means working with problematic animals. A dog could bite someone, or slip a leash and get injured. Business insurance for dog trainers can protect you from the high costs of veterinary care, damaged property, and liability lawsuits over dog bites.
Find the right coverage
Insureon helps pet trainers find insurance quotes that match their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of business insurance do pet trainers need?
These insurance policies cover the most common risks of training dogs.
General liability insurance
A general liability policy covers basic risks of working with dogs, such as injuries to pets or customers. Bundle it with property insurance for savings in a business owner’s policy.
- Bodily injuries
- Damaged customer property
- Libel and other advertising injuries
Business owner’s policy
This policy bundles commercial property insurance and general liability coverage under one plan. A BOP is often the most cost-effective type of business insurance for dog trainers.
- Pet injuries
- Customer injuries
- Business property damage and theft
Professional liability insurance
This policy covers legal defense costs related to work performance, such as a dog owner’s claim that improper training caused an injury. It's sometimes referred to as errors and omissions insurance.
- Claims your dog training was ineffective
- Negligence that caused an injury
- Professional mistakes or oversights
Workers’ compensation insurance
Most states require workers' comp for pet training businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Cyber insurance
This policy helps dog training businesses 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 training 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 training business insurance cost?
A small business with a few dog trainers will pay less for insurance than a larger company.
Factors that affect pet trainer insurance premiums include:
- Services offered, such as pet sitting or obedience training
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get dog training insurance?
It's easy to get dog training business insurance and bonding 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 for your pet training business, whether you work independently or hire employees.
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