Copeland Insurance

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Pet business insurance for the unique needs of your operations.

If pets are central to your business, explore pet business insurance for comprehensive coverage.

The location of your pet business is crucial.

For a physical storefront, training facility, groomer shop, or kennel, insurance coverage is essential to protect the building and its contents. General liability coverage is necessary to address accidents on your property and any damages caused by employees, given the high foot traffic typical in such environments. However, if your business operates as a mobile grooming service or offers pet training house calls, your insurance needs will differ.

Specific coverage for handling animals may be required.

Allowing pets in your establishment poses risks, including potential injuries to people or other animals, even when under their owners’ supervision. If you assume responsibility for animals in your care, whether at your location or during transport, animal bailee insurance provides essential financial protection in case of incidents involving the animals entrusted to you.

Selling products for pets carries potential risks.

If you offer food, toys, or accessories for pets, you could face liability if an animal is harmed or falls ill due to one of your products. Groomers could also be liable if an animal suffers injury from a specific shampoo used during grooming. While manufacturers typically bear primary responsibility, you could still be named in a lawsuit, entailing significant defense costs. Adequate liability insurance can help cover these expenses and any damages for which you are deemed responsible.

Non-profit organizations, including volunteer fire departments, unions, religious groups, recreational clubs, charities, and others, often need specialized insurance coverage tailored to their tax-exempt status.

This coverage is designed for pet businesses that assume responsibility for their customers’ pets, providing financial protection for injuries, deaths, or losses of the pets in their care, custody, or control.

Ensure you consider essential business coverages.

Certain insurance products are crucial for businesses across all industries. Commercial umbrella insurance extends coverage beyond the limits of other policies. Business auto insurance is essential if your business owns vehicles or if employees use personal vehicles for work. Cyber liability insurance safeguards against financial losses from data breaches. These are key examples illustrating the necessity of general coverage for your everyday operations.

Looking for pet business insurance? Contact us to explore how we can tailor coverage to meet your business needs.

Business Income / Business Interruption

Risk Factor

What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to work and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if you cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. This type of insurance covers the revenue your business would have earned, based on your financial records, had the incident not occurred. The policy also covers continuing operating expenses such as rent, electricity, and ordinary payroll.

Pet Adoption Events

Risk Factor

If your business offers pet adoption events, there are a number of things that can go wrong. From event cancellation to property damage and a number of situations in between, you may be surprised to know that standard general liability insurance may exclude these claims.

Solution

Businesses that offer pet adoption events should consider special event insurance coverage. You’ll want to make sure that it provides coverage for events that include animals if any will be present. If your event will be held off-site, your policy should take that into consideration as well.

Product Liability

Risk Factor

If your business sells merchandise such as toys, leashes, collars, or other accessories, you are responsible if something purchased at your store injures or kills an animal. If you sell food, there’s always a chance it can spoil or be contaminated.

Solution

If items you sell hurt, sicken, or cause death to an animal, you will likely face a lawsuit. Defending against such claims, settling the suit before trial, and being ordered to pay damages can all be very costly. Product liability insurance offers protection for scenarios such as this.

Cyber Liability

Risk Factor

The internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and the financial information of your customers.

Solution

Cyber liability insurance protects your business in the event of unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, extortion, accidental release of personal identifiable information, and resultant damage caused by a lost or stolen laptop or other mobile device. This coverage is quickly becoming more and more important as you embrace technology to help run your business.

Mobile Groomers

Risk Factor

Mobile grooming businesses are on the rise and they require specialized coverage. Not only is your business being transacted in various locations, you’ll also be transporting valuable equipment as you travel around your area.

Solution

Standard business auto insurance isn’t enough as these policies typically do not cover any customization made to your grooming vehicle, including tables, sinks, dryers, and the like. You’ll also want to be sure you’re covered wherever your business takes you, whether you’re on the road or parked and providing services at a client’s home.

Pet Groomers

Risk Factor

As much as we try to avoid them, mistakes and accidents happen. For example, an animal can move abruptly and be hurt by scissors during a grooming session or it could fall from the table. Another possibility is that you could perform services on the wrong animal, resulting in a lawsuit.

Solution

Professional liability insurance is an important coverage for pet groomers. It can help cover the cost of legal defense should you be accused of harming an animal through a mistake or negligence. If you’re held liable, this coverage could also include payout of damages awarded.

Commercial Property

Risk Factor

If a fire breaks out, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on all aspects of your business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your property or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law (in most cases) to have the proper coverage in place.

Solution

Workers’ compensation insurance protects your employees in the event that a job-related injury or sickness occurs during the course of their employment. This coverage is required by law, so be sure that your practice has it.

Animal Bailee

Risk Factor

An animal in your care is your responsibility whether you’re offering boarding, day care, training, grooming, or medical services. Regardless of the length of time the animal is with you, you can be held liable if it is hurt while it is in your care, custody, or control.

Solution

Animal bailee provides coverage in the event an animal is injured or killed for reasons unrelated to your care. For example, this can include damages arising from fire, theft, escape, flood, or an attack by another animal.

General Liability

Risk Factor

Your business is susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. Because of the presence of animals and the potential for high foot traffic, your business faces risks unlike other operations.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action, regardless of its merit. Additional limits are also available with a commercial umbrella insurance policy.

Directors and Officers

Risk Factor

If part of your business includes a non-profit organization such as fundraising and adoption services, you likely have directors and officers. If a director or board member makes a decision that results in harm to the organization, you are open to a lawsuit. Defense against such claims and judgements against your business could result in significant expense.

Solution

Directors and officers liability insurance protects your directors, officers, trustees, employees, volunteers, and the entity from any act or alleged act, error, omission, misstatement, misleading statement, or breach of duty.

Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella insurance policy provides high limits of insurance, typically between $2 million and $10 million. Coverage is extended over your general liability, workers’ compensation, and business auto insurance. It provides a great safety net and helps to secure protection for your business.

Insurance tailored for the unique needs of your pet business operations.

Find Your Coverage

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