Kennel Insurance is used to protect Kennel business owners, the property or facility, and the business from liability, damage, and unforeseen incidents. Dog Kennel insurance is also known as kennel insurance.
Many people consider their pets a part of their family, so it’s no surprise they expect the best care whenever they leave them in the hands of someone else. If you own a dog kennel or cattery business, having the right type of kennel and cattery insurance can help to protect your business, your customers, and the animals.
If you’re not sure about kennel and cattery Insurance, read on to learn more about this important part of your business. Pet business insurance can save you quite a bit of money in the long run.
What is Kennel and Cattery Insurance?
Operating a kennel or cattery takes a lot of patience, experience, and a love for animals. But experience isn’t enough if you’re looking for ways to protect your operation.
To ensure that everything is safe from liability, damage, and more, you should enroll in a reliable kennel and cattery Insurance plan. This unique insurance is made for this type of business to help you get the precise coverage you need.
For most policies, the biggest part of the coverage is for the building itself. If your kennel or cattery gets damaged as a result of a natural disaster or fire, the insurance will cover the replacement cost.
Since animals are unpredictable, you’ll also need a decent amount of liability coverage. This will help protect your business in the event that a customer or employee gets bitten or scratched. Liability protects you against a lawsuit and provides medical coverage for the victim while you only pay the insurance deductible.
What Type of Kennel and Cattery Insurance do I Need as a Business Owner?
Running a business that involves the care of animals requires a special type of insurance coverage that spans from the structure itself to protecting you from lawsuits and much more.
General liability coverage will help pay for things like medical care for a person who has been injured while in your place of business. It may also protect you from a potential lawsuit, so every kennel and cattery owner should have some level of liability insurance.
Professional or business liability is one of the most important forms of kennel and cattery insurance you should have. If someone gets bitten or slips and falls in your establishment, this insurance can be invaluable.
Some insurance providers may also protect you from any claims brought against your business and your employees if anything results in the injury of a pet. Even if it’s not your fault, a pet owner may attempt to sue if their dog or cat becomes injured while on your property.
If an animal dies under your watch, extra coverage called “animal bailee coverage” may be needed. The loss of a pet is always difficult under any circumstance, but you want to be sure that your business is protected. This special coverage should pay for the loss of any animal that’s left in your care, and it should also cover the loss if it’s a result of peril such as a storm or fire.
You’ll need to get property insurance that covers the building itself and helps repair or replace things like your equipment, supplies, and the structure. The cost to replace a building that’s completely lost can be monumental, so make sure your policy covers the structure itself.
Tenant Improvements or Building Coverage
If you lease your kennel or cattery, you may want to make specific changes or improvements to the business. In these instances, you’ll need separate coverage that clearly defines who the tenant is, and who is responsible for any changes made to the building whether yourself or the lessee.
You should opt for a kennel insurance package that covers your revenue loss while you wait for business to resume after a disaster. Things like lost income and loss of wages can do serious damage to your business if you’re not covered. The package should cover extra expenses based on loss of earnings for up to a full year in most cases.
Business Owner’s Policy (BOP Insurance)
Opting for a Business Owner’s Policy will combine protection for most of your major property and liability risks into one manageable package. This insurance covers the basics for business owners into one bundle and is usually sold at a lower cost than if you were to enroll in several different specific types of coverage.
How Much Does Kennel and Cattery Insurance Cost?
The cost of your kennel and cattery insurance will depend on several factors, most importantly, the size of your business. Smaller businesses will pay a smaller premium in most cases.
Your monthly premium will also depend on things like how long you’ve been in business and your chosen level of coverage. Just like other forms of insurance, the amount of your deductible can also play a role in the total cost.
Some insurance carriers have special guidelines when it comes to covering your kennel or cattery. For example, you may have to house a minimum of five animals or more in order to get specific coverage.
Talk with an insurance broker who can guide you through the quite process. They can discuss your unique needs and help get a clearer picture of the coverage you’ll need so you can get the best price possible.
What Other Types of Pet Business Insurance Should I Consider?
As a business owner, you should consider signing up for extra business coverage to protect your assets and other business considerations. kennel and cattery insurance focuses more on the care of the animals and the business. Choosing supplemental insurance is recommended.
Find out what the level of coverage is for your dog and cat care business insurance alone. Then, talk to an insurance professional to determine what else you may need.
Personal asset protection is highly recommended in case a customer attempts to recoup losses via your personal assets. Always protect yourself in as many ways as possible to avoid getting involved in a lawsuit that could affect things like your vehicles and your home.
Get Insured by Qualified Agents
Now that you’re aware of what kennel and cattery insurance covers, it’s important to find a policy that’s insured by qualified agents. These professionals understand the many nuances of your business and can help you make sure you’re getting the protection you need.
The pet business can be tricky, so make sure you talk to a qualified professional who will give you the right amount of coverage for your kennel or cattery.
Visit our website for more information about this special insurance or contact us today for your free quote.