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Kennels provide daycare services to other people’s pets. With that comes a lot of responsibility and exposure to risk that can land your pet boarding business in serious financial and legal trouble.
To protect your business from any financial liabilities that may arise in the event of an accident - getting pet boarding insurance is your best option.
How Much Does Pet Boarding Insurance Cost?
The cost you will be expected to pay for your pet boarding business will depend on the size of your company, the number of employees and company vehicles you have, the state you operate out of, the level of cover you want for your business, and other similar factors.
The average pet boarding business in the United States pays around $50 per month or $600 per year on general liability insurance. This policy is great for providing your business with financial protection against general third-party bodily injuries that can be sustained on the premise of your business and property damage.
If you employ staff, worker’s compensation insurance will be necessary. Such a policy will cost you around $1,440 per year and it will provide financial protection for your staff in case they get sick or injured at their place of work. From lost wages to medical and hospital fees - the insurance company will cover them all.
Every physical business in the U.S. is recommended business owner’s insurance. This policy combines general liability insurance with commercial property insurance, and you can expect to pay just over $500 per year for it.
As you’ll be dealing with animals, professional liability insurance is always recommended. This type of insurance will provide your business with cover in case you commit any professional mistakes or are accused of negligence or malpractice. You can expect to pay around $80 per month or $960 per year for this policy.
What Types of Insurance Do Pet Boarders Need?
Pet boarding services have a number of insurance policies available to them. Factors such as the pet services offered, revenue, location, size, and the number of employees your business has can all affect the level of coverage you need.
Below, you can discover the most popular insurance policies for pet boarders in the United States.
Why Do Pet Boarders Need Insurance?
Getting your pet boarding business insured will provide financial cover in case a lawsuit or a claim is made against your business in the event of an accident.
If something were to happen to one of the pets in your company's care, your business might be held liable depending on the severity of the situation. For instance, if a customer’s pet is injured or killed while boarding - your business will most likely be sued on the basis of negligence.
And while being negligent isn’t a mistake and can be in your full control - other circumstances such as property damage from poor weather conditions are not in your control.
In other cases, pet boarders are simply required by state law to take out a certain level of insurance coverage before they are legally allowed to conduct business and board customers’ animals.
Whatever the case may be - getting insurance is always a good idea as it will provide financial protection by covering any financial liabilities that arise in the event of a lawsuit or a claim.