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Business Insurance for Animal-Assisted Therapists
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Animal-assisted therapists face several liability risks, including accidental injury to a client. Liability insurance for therapy dogs and other services can protect your practice against costly lawsuits.
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What types of business insurance do animal-assisted therapists need?
These policies cover common risks faced by animal-assisted therapists.
General liability insurance
General liability covers basic animal-assisted therapy risks, such as client property damage and injury. Bundle with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged client property
- Libel or slander lawsuits
Business owner’s policy
A BOP bundles property insurance and general liability insurance at a discount. It's often the most cost-effective type of commercial insurance for animal-assisted therapists.
BEST FOR
- Client injuries
- Damaged business property
- Business interruption incidents
Workers’ compensation insurance
This policy is required in almost every state for pet-assisted therapy businesses with employees. It can cover medical bills and lost wages for work-related injuries and illnesses.
BEST FOR
- Employee medical expenses
- Missed wages
- Legal costs
Professional liability insurance
This policy can help cover legal expenses if an animal-assisted therapist is sued for work mistakes, such as a client injury from interaction with a therapy dog or horse.
BEST FOR
- Accusations of negligence
- Client injury from animal interactions
- Therapy mistakes or oversights
Looking for different coverage? See more policies.
How much does insurance cost for therapy and counseling professionals?
Several factors will have an impact on insurance costs, including:
- Therapy and counseling services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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Why do animal-assisted therapists need insurance?
Interacting with dogs, cats, and other animals can help your clients reach their physical and emotional goals, but it also comes with risk. Whether dealing with a client lawsuit over an animal bite or another claim, pet therapy insurance can help your small practice survive costly setbacks.