Business Insurance for Animal-Assisted Therapists

Compare multiple quotes from top carriers with one application.
Pet/Animal Assisted Therapy
Therapy dog and group of children in the background.
We partner with trusted A-rated insurance companies
Logos of Insureon's business insurance carrier partners

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.

Man petting a therapy dog.
Light bulb

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.

General liability insurance icon

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.

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

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.

BEST FOR
  • Client injuries
  • Stolen or damaged business property
  • Business interruption incidents
Medical malpractice icon

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.

BEST FOR
  • Dog bites and scratches
  • Advice that causes harm
  • Accusations of negligence
Workers’ compensation insurance icon

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.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Cyber liability insurance icon

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.

BEST FOR
  • Client notification costs
  • Fraud monitoring services
  • Data breach investigations
Commercial auto insurance icon

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.

BEST FOR
  • 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?

Therapist calculating insurance costs with dollar sign in thought bubble over her head.

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.

What our customers are saying
Carousel prev arrow
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Carousel next arrow
Insureon customer reviews on Feefo
Compare pet-assisted therapy insurance quotes
Save money by comparing insurance quotes from multiple carriers.