Insurance for Pet Care Services

For many of us, pets are a huge part of our lives and no one understands that better than you. Pet owners trust you to give attentive, compassionate care to their furry companions. It’s just as important to make sure your business is properly protected so you’re equipped to handle unexpected situations that may cause damage to your property or injury to your clients. Whether you are a veterinarian, groomer, pet store owner, kennel or somewhere in between - Spire's insurance solution for Pet Care Services can be customized for your line of work.

Our insurance solution includes coverage for:

• Business Property insurance to help protect the property you own, lease or rent
• Business Liability coverage to help protect your business in the event it is responsible for causing harm to a person and/or damage to property
• Business Income coverage to help protect lost income if your business is forced to close due to direct physical loss or damage to its premises resulting from a covered cause of loss

You can customize your plan to include industry-specific coverage for:

• Professional Liability helps if you are sued for damages resulting from the professional services you provide. Even if you have done nothing wrong, you can  still be sued for damages and expenses from errors and omissions, resulting from your services or failure to perform your services as intended.
• Animal Bailee coverage helps to protect you in the event an animal in your care is accidentally injured or lost. This can help pay expenses including vet bills, reward costs to help you search for a lost pet. 
• Animal Damage to Buildings
• Business Auto (Including mobile pet services)
• Cyber and Data Liability
• Employee Benefits
• Employee Dishonesty
• Employment Practices Liability
• Environmental Pollution Liability
• Flood
• Workers Compensation
• Umbrella and more...

Our insurance solution is designed specifically for all types of pet care professionals and businesses including:

• Veterinarians
• Pet Stores
• Pet Grooming
• Pet Training
• Pet Sitters and Dog Walkers 
• Kennels - Breeding, Boarding, or Sales
• Animal Day Care

Pet-Specific Coverage

These pet-specific coverages can help to protect you and the pets in your care:

• Pet Grooming Liability Coverage - This can cover injury from providing or failing to provide pet grooming services.
• Boarding Kennel Liability Coverage - This can cover injury to cats, dogs and other domestic animals that are in your care but not resulting from your work. 
• Animal Bailee "Floater" - This can cover accidental injury, death, damage, theft or escape of domestic animals belonging to others that are in your care or on your premises for services.
• Professional Liability for Veterinarians - This can cover a delayed or missed diagnosis or other veterinarian services provided. 
• Medication Spoilage
• Loss of Income for Mobile Businesses

Get affordable and customizable pet insurance to help cover the expenses to keep your pets healthy. Click here for more details!

Cyber and Data Liability

Helps cover the cost of things like complying with notification requirements to affected individuals, and credit monitoring (when warranted) if sensitive customer information is lost or stolen. This can help protect against loss of income and help pay for extortion or ransom payments associated with a data breach threat.

• A burglar stole a laptop from a veterinarian's office with data on clients, including contact and payment information. Clients had to place a fraud alert with credit bureaus and monitor their credit reports.
• A virus infected the computer system of a pet shop and stopped it from functioning properly and compromising customer data. Not only was there a cost to address the virus by security experts but it also resulted in loss of income,.
• A PC was hacked by a disgruntled former employee of a sales office, causing software programs to crash and data to disappear. The company had to hire an outside IT firm to recover data and a public relations firm to explain the incident to customers.