Business Insurance for Pet Stores

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Save money by comparing insurance quotes for pet stores

From a customer bit by a parrot to contaminated dog food, pet stores face risks that can cost a fortune in settlements. Protect your small shop with affordable pet business insurance policies.

Pet carriers, food, and treats on display in a pet store.
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Multiple quotes with one application

With Insureon, pet store owners can compare insurance quotes from top U.S. carriers online. One easy 15-minute application is all it takes.

What types of insurance do pet stores need?

These policies provide coverage for the most common risks pet shops face.

Business owner’s policy icon

Business owner's policy

This policy bundles commercial property and general liability insurance in one plan. A BOP is often the most cost-effective type of commercial insurance for pet stores.

  • Customer injuries
  • Stolen or damaged pet supplies
  • Business interruption incidents
General liability insurance icon

General liability insurance

This policy covers common pet store risks, such as a customer getting bitten by a dog, cat, or bird. Bundle with property insurance for savings in a business owner’s policy.

  • Customer injuries
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for pet stores that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Umbrella / excess liability insurance icon

Umbrella / excess liability insurance

Once a pet store’s policy limit is reached, umbrella insurance (or excess liability insurance) boosts coverage on general liability or employer’s liability policies.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for retail businesses?

Woman with clipboard calculating cost of insurance for her retail business.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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Why do pet stores need insurance?

The mix of critters and customers leads to a high risk of injuries for pet stores. Even if your focus is pet supplies, contaminated dog or cat food can lead to a hefty lawsuit. Pet store insurance can protect your shop from legal expenses, medical bills, theft, and other common retail risks.
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