Watching pets is a significant responsibility, and with such a responsibility comes some risk. Should a pet become injured, become ill or pass away while in the care of a business, the business might be held liable. Pet care insurance may offer Massachusetts businesses that watch pets protection in the event of a covered injury, illness or death of an animal.
Pet care insurance is a particular type of commercial insurance that has been specifically designed for pet care businesses. Since most of these businesses face several risks, the policies normally come with multiple coverages that are packaged together.
The majority of Massachusetts businesses that take care of pets can likely benefit from the protections afforded by doggy day care insurance. This includes both businesses that watch pets for just a few hours (or less), and those that board pets for several days or weeks at a time.
Additionally, “dog day care insurance” shouldn’t be assumed to only apply to businesses that watch dogs. Businesses that watch animals of any type might want this kind of policy.
Some specific examples of business that generally should consider purchasing dog day care insurance are:
Veterinarians that offer boarding services likely also need the protections found in a dog day care policy. These protections alone, however, likely won’t be sufficient for a veterinarian. A broader policy that offers dog day care protections alongside other protections is probably necessary in this situation.
As mentioned, pet care policies usually come with at least a few protections. Some of the protections that policies may make available include:
There are still other coverages that pet care policies may provide. For a thorough explanation of the many available coverages, businesses should speak with an insurance agent who’s familiar with the details of these policies.
Businesses that use vehicles regularly normally need to carry commercial auto insurance, and there are two main types of commercial auto insurance. Standard commercial auto insurance usually covers company-owned vehicles, such as cars or vans, that a business may own. Hired and non-owned auto insurance typically covers liability risks that come with employees driving their personal cars (or other cars which a business doesn’t own).
Pet care businesses that need either form of commercial auto insurance can normally add the necessary coverage to their insurance policy without issue. An insurance agent can help with this process.
For assistance insuring a pet care business in Massachusetts, contact the independent insurance agents at The Feingold Companies. Our agents will help you compare policies from several insurance companies, so you can confidently choose the best pet care insurance option for your business. We have worked with many businesses in the state, and we're ready to assist yours.