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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.
Multiple quotes with one application
With Insureon, pet store owners can compare insurance quotes from top U.S. providers online. Get several quotes with one application.
What types of business insurance do pet stores need?
These policies cover the most common risks faced by pet shops.
Business owner's policy
A BOP bundles general liability and commercial property insurance in one plan. It's often the most cost-effective type of commercial insurance for pet stores.
BEST FOR
- Customer injuries
- Stolen or damaged pet supplies
- Business interruption incidents
General liability insurance
This policy covers common pet store risks, such as a customer being bitten by a dog, cat, or bird. Bundle with commercial property insurance for savings in a BOP.
BEST FOR
- Customer injuries
- Damaged customer property
- Product liability insurance
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.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Commercial umbrella 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.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Looking for different coverage? See more policies.
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.
How much does insurance cost for retail businesses?
Several factors will have an impact on insurance costs, including:
- Retail products and services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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