What is animal bailee coverage?

Animal bailee coverage addresses injury, illness, or loss of animals that are in your care, custody, or control. Standard liability often excludes this, so it is worth confirming you have it if you handle others' animals.

Am I covered if a dog I am caring for bites someone?

Bite claims can involve both general liability and the way your policy treats animals in your care. Coverage depends on the forms and facts, so it is worth reviewing for your operation.

Do I need professional liability for grooming or training?

If you provide grooming or training services, professional liability addresses claims arising from that work. Whether you need it depends on the services you actually offer.

Pet Care Business Insurance - Vantage Point Risk

Pet care insurance, for the animals in your care and the people around them.

Grooming, boarding, daycare, walking, and training businesses take custody of animals and interact with the public. That creates animal-bailee, injury, and professional exposures that a generic policy is not built to handle.

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Pet care programs usually combine general liability with animal bailee coverage for animals in your care, plus professional liability for services like training, and property for your facility and equipment.

Where pet care risk shows up

The defining exposure is injury, illness, or escape of an animal in your care, which animal bailee coverage addresses and standard liability often excludes. Add bites and injuries to people, premises risk, and professional claims from training or grooming services.

Facilities that board or run daycare concentrate animals, which raises both care exposure and property and business interruption considerations.

Coverage that commonly applies

General liability covers injury and damage to people and property. Animal bailee coverage addresses harm to animals in your custody. Professional liability covers claims from grooming or training services. Commercial property covers your facility and equipment.

Workers compensation applies once you have employees, and commercial auto is relevant if you transport animals.

When it is worth a review

Review your coverage when you add services such as boarding or training, transport animals, expand your facility, or hire, since each changes the care and liability exposure you carry.

Pet care insurance, for the animals in your care and the people around them.

Where pet care risk shows up

Coverage that commonly applies

When it is worth a review

Common questions.

Not sure your coverage fits how you operate?

Keep going.

General Liability

Professional Liability

Commercial Property

Workers Compensation

Pet care insurance, for the animals in your care and the people around them.