Pet Store Insurance

Pets or Pet Supplies
Pet shop, shelves with accessories, closeup.
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Why do pet stores need insurance?

The mix of critters and customers leads to a high risk of injuries at a pet store. Even if your focus is pet supplies, contaminated dog or cat food can lead to a hefty lawsuit. Pet store insurance can help pay for legal expenses, medical bills, theft, and accidents.

Pet supply store cashier checking out a customer at a counter.
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Get same-day insurance

With Insureon, pet store owners can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of business insurance do pet stores need?

These insurance policies cover the most common risks faced by pet shops.

Business owner’s policy icon

Business owner's policy

A BOP bundles general liability coverage 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 basic pet store risks, such as contaminated pet food that sickens an animal. Bundle it 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
  • Disability benefits
  • Lawsuits over employee injuries
Cyber insurance icon

Cyber insurance

This policy helps pet shops survive data breaches and cyberattacks. It's recommended for any small business that stores 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 (similar to excess liability insurance) boosts coverage on general liability, commercial auto, or employer’s liability policies.

  • Bodily injury lawsuits
  • Property damage lawsuits
  • Auto accident 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
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does insurance cost for retail stores?

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A small pet shop will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Retail products and services offered
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Deductibles and other coverage options
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How do I get pet shop insurance?

It's easy to get pet store insurance and pet grooming insurance 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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 shop, whether you work independently or hire employees.

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