Business Insurance for Pet Stores

Compare multiple quotes from top carriers with one application.

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.

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

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.

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 getting bitten by a dog, cat, or bird. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR

Customer injuries
Damaged customer property
Libel or slander lawsuits

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

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.

BEST FOR

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

What our customers are saying

"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"

Jessica Shannon

Customer since 2016

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.

Compare insurance quotes for pet stores

Save money by comparing insurance quotes from multiple carriers.