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.
These policies cover common risks faced by animal-assisted therapists.
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.
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.
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.
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.
Cyber liability insurance covers financial losses from data breaches and cyberattacks. It's strongly recommended for animal-assisted therapy businesses that store personal information.
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.
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.