Business Insurance for Animal-Assisted Therapists

Pet / Animal Assisted Therapy
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Why do animal-assisted therapists need business insurance?

Interacting with dogs, cats, and other animals can help improve your clients' physical and mental health, but it also comes with risk. Whether dealing with a client lawsuit over an animal bite or another claim, business insurance can help your small practice survive costly accidents and setbacks.

Animal assisted therapist introducing a dog to a group of children.
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Find the right coverage

Insureon helps animal-assisted therapists find insurance that matches their unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What types of business insurance do animal-assisted therapists need?

These insurance policies cover the common risks of animal-assisted therapy.

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General liability insurance

A general liability policy covers basic third-party risks, such as an accident that injures a client or damages their property. It may be required for a client contract or a commercial lease.

  • Accidental bodily injuries
  • Damaged client property
  • Libel and slander lawsuits
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Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage at a discount. It's often the most cost-effective type of commercial insurance for animal-assisted therapists.

  • Client injuries
  • Stolen or damaged business property
  • Business interruption incidents
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Professional liability / medical malpractice

Professional liability insurance covers legal expenses related to mistakes and oversights, such as a therapy animal that injures a client. It's sometimes referred to as malpractice insurance.

  • Dog bites and scratches
  • Advice that causes harm
  • Accusations of negligence
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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.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
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Cyber 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.

  • Client notification costs
  • Fraud monitoring services
  • Data breach investigations
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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.

  • Property damage caused by your vehicle
  • Auto accident injuries
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does insurance cost for therapy and counseling professionals?

Therapy and counseling professional calculating the cost of business insurance.

A therapy dog handler who works independently can expect to pay less for insurance than a larger business.

Factors that affect premiums include:

  • Services offered, such as nursing home visits, home therapy sessions, or service dog training
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get animal-assisted therapy business insurance?

It's easy to get business insurance for animal-assisted therapists 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 animal-assisted therapy program, whether you work independently or hire employees.

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