Business Insurance for Pet Stores

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Pets or Pet Supplies
Pet shop, shelves with accessories, closeup.
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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. 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 icon

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.

  • 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 being bitten by a dog, cat, or bird. Bundle with commercial property insurance for savings in a BOP.

  • Customer injuries
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for pet stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

This policy helps pet stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

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.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Most states require commercial auto insurance for business-owned vehicles. This policy covers accidents involving a pet shop's mobile grooming van or other vehicle.

  • Damage to another vehicle
  • Injuries caused to another person
  • Repairs due to vandalism or weather
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?

Retailer with a clipboard calculating the cost of business insurance.

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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Pets or Pet Supplies