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