During a routine dog grooming appointment, one of the groomers accidently cut Rusty’s nails too short, resulting in an infection and an expensive vet visit. The pet groomer’s professional liability insurance helped to pay for the client’s urgent care expenses.
While on his way to dropping off his German Shephard at Happy Dawgs pet day care, Owen slipped and fell on a patch of ice outside the front door of the business. Owen was injured and sued the Happy Dawgs for damages. The pet daycare business had Chubb general liability insurance, which paid for the cost of the lawsuit, including settlement amounts and attorney’s fees.
When a fire burned down her pet boutique, Amy was at risk of losing months of revenue while still having to meet payroll obligations. Her Chubb business interruption policy was able to help her pay herself and her employees until the store was rebuilt and up and running again.
Business Owner's Policy
A Business Owner’s Policy (BOP) can help protect pet care professionals with general liability and property coverage, including
Loss or damage to perishable property, like pet food, resulting from a change in a temperature-controlled environment, such as a refrigerator
Loss or damage to property or loss of business income due to contamination
Costs to dispose of animals that die from a covered loss
Cost of an emergency evacuation of animals on the premises
Costs associated with a product recall or expenses incurred to replace goods that are unfit or dangerous
A reward offered by your business for information that leads to a felony conviction of the person who stole or damaged your property
Chubb also offers a wide variety of optional coverages, tailored for pet care professionals, which you can add on to your BOP.** These include:
Animal bailee – Provides coverage for the insured’s liability for injuries or damages sustained by an animal in the pet care operation’s care, custody, or control.
Tools & equipment – Provides mobile businesses with a blanket limit of insurance for veterinary medical equipment, pet care tools, and other equipment. Includes the cost to repair equipment or replace lost income and other expenses.
Kennel cough – Provides coverage for disinfecting the facility, veterinary expenses (if needed), and reputation management, should you suspect that a kennel cough infection spread within your pet care facility.
Pet care errors & omissions – Protects pet care facilities, professionals, and workers against claims of inadequate work or professional negligence.
Veterinary professionals – Includes interns, leased employees, temporary employees, and volunteers.
Off-premises & mobile equipment breakdown – Covers equipment that breaks down off premises or in a vehicle used for business.
Expenses for courts & veterinary boards – Covers fines, penalties, and expenses for defense of an insured before courts or veterinary boards.
Pet care professionals can access a total account solution to take care of their insurance needs. Consider these coverages for your insurance program.
Protects you against client lawsuits alleging property damage, bodily injury, or other common risks.
Protects you in the event of a lawsuit claiming you were negligent in providing professional services in some way, such as providing late, incorrect or incomplete services. This also covers errors and omissions relating to expert opinions or advice you provided a client.
Sometimes your standard insurance policy limits aren’t enough to cover what you’re up against. Umbrella insurance provides coverage over and above your existing policies to protect you from substantial lawsuits and losses.
This coverage provides protection for vehicles you may use for your pet care business, including replacement or repairs if your vehicle is stolen or damaged, pet injury coverage, and roadside assistance.
A bespoke approach to small business insurance
Total account solutions
We offer fast and easy options to cover all your insurance needs.
Efficient claims handling
With 95% claims satisfaction, we don’t just process claims, we strive to make things right.***
Our policies are backed by Chubb’s financial strength and stability.