Robinsons Insurance Agency Blog
Pet care professionals are at risk of unique liability claims. The general liability insurance in a BOP covers claims for dog bites, animal attacks, and other accidents involving pets. A pet-related business can be sued for negligence even when the owner is not at fault.
A BOP covers the cost of defending against such claims, as well as property damage and bodily injury costs.
What are the risks of pet care-related businesses?
If you want to provide a pet-related service, you are more likely to get sued if someone who used the service encounters an issue or is injured somehow.
For example, if someone who used your services is sued for negligence, the BOP would not provide coverage. You would have to buy separate property insurance to cover the claim.
In addition to legal liability, the scope of the responsibilities you have as a pet care professional is higher than if you were acting solely as a dog walker or pet sitting service.
BOP insurance for pet care
As with other types of business insurance, pet-related BOP policies are often available for businesses of any size, with different limits depending on the type of policy.
General liability limits are $25,000, while liability for animals ranges from $5,000 to $20,000. However, a BOP may not provide coverage for all types of damages, has limited coverage for legal fees, and may exclude certain occupations or activities.
It's possible to get a dog bite insurance policy. It is the type of policy many pet owners take out when they purchase a BOP policy. You may need this additional coverage for:
While BOP policies normally cover dog bites and attacks against dogs, many crimes against humans, including murders, assaults, and attacks against law enforcement officers, are also included.
If you own a dog, a BOP insurance policy can offer you financial support when you’re sued for injuries that your dog caused.
At Robinsons Insurance Agency LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 254-7350. Get your free quote today by CLICKING HERE.