Business Insurance for Animal-Assisted Therapists

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Pet/Animal Assisted Therapy

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Save money by comparing insurance quotes for animal-assisted therapists

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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Insureon helps animal-assisted therapists compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

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 injuries. 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

Professional liability / medical malpractice

This policy can help cover legal expenses if an animal-assisted therapist is sued for professional mistakes, such as a therapy dog that injures a client. It's sometimes referred to as malpractice insurance.

BEST FOR

Accusations of negligence
Dog bites and scratches
Therapy mistakes and oversights

Workers’ compensation insurance

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

BEST FOR

Employee medical expenses
Missed wages
Legal costs

Cyber liability insurance

Cyber liability insurance covers financial losses from data breaches and cyberattacks. It's strongly recommended for animal-assisted therapy businesses that store personal information.

BEST FOR

Client notification costs
Fraud monitoring services
Data breach investigations

Commercial auto insurance

Commercial auto insurance covers the cost of an accident involving a vehicle owned by an animal-assisted therapy business. Most states require this coverage for business-owned vehicles.

BEST FOR

Property damage caused by your vehicle
Auto accident injuries
Vehicle theft and vandalism

Looking for different coverage? See more policies.

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.

How much does insurance cost for therapy and counseling professionals?

Therapist calculating insurance costs with dollar sign in thought bubble over her head.

Several factors will have an impact on insurance costs, including:

Therapy and counseling services offered
Business equipment and property
Revenue
Location
Number of employees

View Costs

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