Business Insurance for Animal-Assisted Therapists

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Pet/Animal Assisted Therapy
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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. 

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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.

  • Slip-and-fall accidents
  • Damaged client property
  • Libel or slander lawsuits
Business owner’s policy icon

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.

  • Client injuries
  • Damaged business property
  • Business interruption incidents
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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.

  • Accusations of negligence
  • Dog bites and scratches
  • Therapy mistakes and oversights
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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
  • Missed wages
  • Legal costs
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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.

  • 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.

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
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