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