As a kennel owner, you're responsible for the care and wellbeing of other people's pets. This means you need to have adequate insurance coverage to protect your business from financial losses due to accidents, injuries, or property damage. In this article, we'll explore the ins and outs of kennel insurance, including what it covers, how much it costs, and where to get it.



What is Kennel Insurance?

Kennel insurance is a type of insurance policy designed specifically for businesses that provide boarding, grooming, training, and other services for dogs, cats, and other pets. It's also known as pet care insurance, animal services insurance, or pet business insurance. Kennel insurance covers a range of risks and liabilities that come with running a pet care business, including property damage, bodily injury, and legal claims.

Types of Kennel Insurance

General Liability Insurance

A form of insurance coverage known as general liability insurance covers claims for personal injury and property damage due to accidents or negligence. This coverage shields kennel operators against lawsuits or claims made by pet owners who hold you accountable for the harm or loss of their pet as a result of your commercial endeavours. In the event of a lawsuit, general liability insurance can also pay for the cost of the defence and settlement.

Property Insurance

A type of insurance policy known as property insurance covers loss or damage to the equipment, supplies, and other property used in your business, such as kennels. Losses resulting from fire, theft, vandalism, or other sorts of damage are covered by property insurance. Depending on the policy, it may also cover losses due to natural disasters, such as floods or earthquakes.

Animal Bailee Coverage

Pets under your care, custody, or control might be lost or damaged under an insurance policy called animal bailee coverage. For kennel owners who are in charge of the security and welfare of other people's pets, this coverage is crucial. Losses brought on by theft, escape, damage, or death of a pet in your care can be covered by animal bailee coverage.

Business Interruption Insurance

Business interruption insurance is a type of insurance policy that covers lost income and extra expenses when your business operations are interrupted or suspended due to a covered peril, such as a fire or natural disaster. This coverage can help kennel owners recover lost revenue and pay for expenses while their business is closed or recovering from a disaster.

Workers Compensation Insurance

Workers compensation insurance is a type of insurance policy that covers medical expenses and lost wages for employees who are injured or become ill while on the job. This coverage is required by law in most states for businesses with employees. As a kennel owner, you may need workers compensation insurance if you have employees who handle pets or perform other tasks that put them at risk of injury.

How Much Does Kennel Insurance Cost?

The cost of kennel insurance depends on several factors, including the type and amount of coverage, the size of your business, the number of employees, and your location. On average, kennel insuranceOn average, kennel insurance costs range from $300 to $1,500 per year for a small to medium-sized pet care business. However, larger kennels or those with more extensive coverage needs may pay more. The cost of insurance also varies by state, with some states having higher insurance rates due to more stringent regulations or higher risk factors.

When shopping for kennel insurance, it's essential to compare quotes from multiple insurance providers to find the best coverage at the most affordable price. Working with an independent insurance agent or an online insurance marketplace can help you compare rates and coverage options from multiple insurers.

Where to Get Kennel Insurance?

There are several ways to get kennel insurance, including working with an independent insurance agent, buying coverage directly from an insurance company, or using an online insurance marketplace. Here's a closer look at each option:

Independent Insurance Agents

To provide customers with a variety of coverage alternatives at affordable prices, independent insurance agents collaborate with several insurance providers. They can assist you in determining your coverage requirements and choosing the ideal plan for your enterprise. They can also help you understand your policy's terms and conditions and assist with handling claims.

Online Insurance Marketplaces

You may compare prices from various insurance providers and buy coverage online using internet insurance marketplaces like Insureon and CoverWallet. Although handy and simple to use, these platforms could not provide the same degree of individualised service as an independent insurance agent.  

Why is Kennel Insurance Important?

Kennel insurance is essential for protecting your business from financial losses due to accidents, injuries, or property damage. Without insurance, you could be liable for expensive medical bills, legal fees, and damages awarded in lawsuits. Kennel insurance can also provide peace of mind knowing that you're covered in case of an unexpected event.

What to Consider When Choosing Kennel Insurance

When choosing kennel insurance, there are several factors to consider to ensure you get the right coverage for your business. Here are some initial things to keep in mind:

Coverage Limits and Deductibles

Make sure you understand the coverage limits and deductibles of your policy. Coverage limits are the maximum amount your insurance policy will pay for a claim, while deductibles are the amount you pay out of pocket before your insurance coverage kicks in.

Exclusions and Endorsements

Review the exclusions and endorsements of your policy to understand what is and isn't covered. Exclusions are situations or risks that aren't covered by your policy, while endorsements are additional coverage options you can add to your policy.

Financial Strength and Reputation of Insurer

Research the financial strength and reputation of the insurance company you're considering. Look for an insurer with a strong financial rating and positive customer reviews to ensure they can pay out claims and provide excellent customer service.

Conclusion

As a kennel owner, investing in insurance coverage can help protect your business from financial losses and provide peace of mind. Kennel insurance covers a range of risks and liabilities, including property damage, bodily injury, and legal claims. When choosing kennel insurance, make sure you understand your coverage limits, exclusions, and endorsements, and work with a reputable insurance provider to ensure you get the right coverage for your business.

FAQs

Is kennel insurance a legal requirement?

Despite the fact that there is no federal legislation requiring kennel operators to carry insurance, some states may have restrictions or requirements that are particular to pet care enterprises. Verify your state and local laws, consult an insurance professional, and make sure you have enough coverage.

Which business categories demand kennel insurance?

Any business that provides pet care services, such as dog boarding, grooming, or training, should consider getting kennel insurance to protect themselves from liabilities and financial losses.

How much does kennel insurance for small businesses cost?

The cost of kennel insurance varies depending on a variety of factors, like the company's size, the scope of the coverage, and its location. The median annual insurance cost for small to medium-sized kennels ranges between $300 and $1,500.

Do kennel insurance premiums include veterinarian costs?

No, kennel insurance normally does not pay for medical expenses for animals. However, some policies may provide coverage for diseases or injuries that arise while dogs are in your care; for instance, if a dog is hurt while being groomed,

 How can I find the best kennel insurance policy for my business?

To find the best kennel insurance policy for your business, it's essential to compare quotes from multiple insurance providers and understand the coverage limits, exclusions, and endorsements of each policy. Working with an independent insurance agent or an online insurance marketplace can help you find the right coverage at an affordable price.