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From accidentally cutting a pet while grooming to being accused of malpractice during a surgery, which has led to the death of a customer’s animal - pet care businesses are exposed to a large number of risks that can be the grounds for lawsuits or claims.
Getting the right type of insurance cover for your pet care company will guarantee its financial stability in case your business gets sued on the basis of negligence, malpractice, or even by one of your employees who has suffered an injury or has fallen sick.
Which Pet Care Businesses Can Benefit From Insurance?
When taking care of someone else's pet, getting insurance is the best way to financially protect your business in case something were to happen, which ends up getting your company sued.
So, generally speaking, every pet care business can benefit from insurance. Below, we will take a look at four different examples of pet care businesses that can especially benefit from getting insured.
Animal Hospitals & Veterinarians
Animal hospitals and veterinarians: from conducting surgeries to prescribing medicine - animal hospitals and vets carry a tremendous amount of pressure on their shoulders. As they must always operate in an error-free environment, a single mistake can lead to someone’s pet getting injured or passing away unnecessarily.
And if that were to happen - it can be the grounds for a big lawsuit. If found guilty, the vet will have to pay out of pocket for the legal fees, compensation, and other costs associated with the lawsuit. However, if the vet was insured - the insurance company would have stepped in to cover all of the financial liabilities the vet might have incurred during the claim.
That’s why getting your pet care business fully insured is a great idea. It will essentially provide a layer of financial protection so you can continue to go about your business no matter what happens.
Pet Groomers
Pet groomers: from accidentally causing bodily injuries to a customer's pet to getting bitten by an aggressive dog while giving them a much-needed groom - pet groomers face various types of risks every day, which can result in serious accidents and become grounds for lawsuits and claims.
If an accident were to happen and your pet grooming business wasn’t insured - if you’re found guilty - your business will have to pay for all the compensation, vet bills, and other costs associated with the lawsuit.
For those reasons and more, getting pet groomers insurance will provide financial protection for your business in case your company gets sued at some point in time.
Pet Boarding
Pet boarding: from getting bitten by a dog to dogs fighting each other and causing themselves serious injuries - pet boarding companies are exposed to a tremendous amount of risk.
For instance, if a dog fight breaks out and the pet boarding staff weren’t able to split up the dogs in time, the injuries the customer's dogs have sustained can be grounds for a lawsuit on the basis of negligence.
Without insurance, your pet boarding business will have to pay out of pocket for all the medical bills, compensation, legal fees, and other costs associated with the accident.
Pet Sitters
Pet sitters: all pet sitters need to make sure of is that the client’s pet is well taken care of. And while that might sound simple - it can be pretty challenging. If an unfortunate situation were to happen - like two pets fighting and causing serious injuries to themselves - if the accident is big enough - the client can sue your business for negligence and lack of care for their pet.
And if your pet sitting business was found to be at fault - your company will have to pay for all the damages out of pocket unless you have an adequate level of cover that can take care of any financial liabilities that arise from such accidents.
What Insurance Policies Are Relevant for Pet Care Businesses?
There are various types of insurance policies relevant to pet care businesses. Typically, the level of insurance cover you need will depend on the size of your business, whether you employ any staff, have any company cars, and other factors like that.
For a more detailed overview of the best insurance policies for pet care businesses in the United States, please take a look below: