Coverage for veterinarians, groomers, boarders, day care operators, trainers, and pet retailers — written by an agent who understands animal-related risk.
Clinical practice with professional liability, malpractice, and standard property/GL coverage for licensed veterinarians.
Animal bailee coverage for pets in your care, plus general liability and property for your salon space.
High-volume animal handling with extended care exposures. Coverage scales with capacity and operating hours.
In-home, group class, and facility-based trainers — including bite coverage and professional liability for behavioral consultations.
Brick-and-mortar and online pet retailers with products liability for food, treats, supplements, and accessories.
In-home pet sitters, dog walkers, and mobile groomers with coverage that follows you to client locations.
Pet care businesses face risks generalist insurers don't always understand — animal bailee, dog bites, escapes, professional liability for veterinarians. Spire is built for those exposures.
Coverage that includes animal bailee, professional liability for veterinarians, and the specific exposures unique to your operation.
From quoting to claims, we represent your interests — not the carrier's. We push back on declines and unclear policy language.
Stay ahead of state licensing requirements for veterinarians, groomers, and boarding operations with proactive guidance.
As your pet care business grows or shifts, your coverage moves with it through annual reviews and operational check-ins.
Each coverage is subject to underwriting and policy form. Your specific program depends on your operation type and scale.
Third-party bodily injury and property damage. Covers slip-and-falls, customer injury on premises, and accidental damage from your operations.
Specialty coverage for pets in your care, custody, or control. Pays for veterinary bills, replacement, or escape recovery if something happens to a customer's animal.
Errors and omissions coverage for clinical care decisions. Required for practicing veterinarians; separate from general liability.
Building, fixtures, equipment, and inventory protection. Covers fire, theft, vandalism, and weather-related damage.
Medical, lost wages, and disability protection for employees injured on the job — including bites, scratches, and lifting injuries.
Vehicle coverage for mobile services, deliveries, and any business-use driving. Includes hired and non-owned auto for staff using personal vehicles.
All coverage is subject to underwriting. No coverage is bound or altered until confirmed by an authorized Spire representative.
Most pet services policies include coverage for animal-related injuries under general liability and animal bailee endorsements. Coverage is subject to underwriting and the specific policy form.
Animal bailee coverage protects animals in your care, custody, or control. If a pet is injured or escapes while at your facility, animal bailee covers the costs. Recommended for boarding, grooming, day care, and training operations.
Yes. Veterinary professional liability (or veterinary malpractice) covers errors and omissions in clinical care, separate from general liability. It's required for practicing veterinarians and often required by state licensing boards.
A specialty pet services policy with animal bailee coverage typically responds to the costs of escaped animals — including the animal itself and any third-party damage. Coverage is subject to underwriting.
Schedule a quick call with a Spire agent. We'll learn your operations and walk you through what coverage looks like for businesses like yours — with no pressure to bind.