Dog Trainer Insurance
Dog trainers are responsible for training dogs of all ages and of many breeds. A dog trainer may be responsible for puppy classes, obedience training, agility, and specialty training classes for dogs with specific behavioral problems. There are also dog trainers with special experience, such as those who train guide dogs, also known as service dogs, to help those with disabilities. Some dog trainers work from their own business premises, while others will visit the client’s home.
As a dog trainer, you are able to have a rewarding profession doing something you love, but you are also exposed to a variety of risks. For example, you have the risk of becoming injured from a dog, along with a client visiting your place of business and being bit by another person’s dog. Protect liabilities and other risks by choosing the right kind of dog training insurance.
Types of Dog Training Insurance
There are many types of dog training insurance policies you can choose from. Below are the most important policies to contemplate:
Dog Training General Liability Insurance
General liability insurance for dog trainers includes premises liability, products liability, and completed operations. For a dog training company, premises liability will cover any accidents occurring on your business premises, such as a client slipping when another dog gets loose. Completed operations includes overage of services you have provided, such as a lawsuit from a dog improperly trained. Products liability will cover any products you have sold your clients, which may include dog collars or treats that caused harm to a dog.
Dog Training Property Insurance
You should always have precautions set to protect your dog training establishment and the dogs you are currently training and caring for. This includes smoke detectors, carbon monoxide detectors, and access to emergency exits. However, events may still occur such as fire, flood, or natural disasters. To protect against the potential loss to your building, building contents, and the dogs in your building, you should have property insurance.
Dog Training Commercial Auto Insurance
If your dog training business provides mobile services where you help train client’s dogs at their home, you should have business auto insurance included in your dog training insurance arsenal. This auto insurance policy will provide coverage in the event of a motor vehicle accident on the way to the client’s home, along with additional coverage for theft and vandalism. Getting into an accident might cause bodily harm or property injury, both of which are covered by business auto insurance.
Dog Training Crime Insurance
While the crime risk may be low as the owner of a dog training business, it’s not impossible. You could have an employee embezzle money from your business or customers pay with invalid information such as stolen credit cards. You may not notice the dishonest acts until after you have provided them dog training services, meaning you are out money and time. To protect your business from such crimes, purchase a insurance for dog training crime insurance policy.
Dog Training Workers’ Compensation
Worker’s compensation will protect your dog training business from any work-related injuries. Employees are at a higher risk of injury when they work as dog trainers or assistants. Dogs may scratch or bite the employee while being trained, even if it is just a puppy and learning the proper way to behave. However this could lead to necessary medical care which worker’s compensation will pay for. If the employee has to miss work to recover, worker’s comp also pays for lost income.
Because you love your successful dog training business, you should protect that business with insurance. Unexpected events are often unavoidable, but by being prepared with insurance for your dog training business, you won’t have the added worry, and can enjoy your canine training business with peace of mind.
Pet Groomers Insurance
A pet groomer is someone who takes care of the hygiene and physical appearance of an animal, typically cats and dogs, but sometimes other animals. Many times, pets can be difficult to take care of, and their owners rely on professionals with skills and a reputation for excellent grooming work. Grooming often includes bathing, cutting and trimming fur, trimming nails, cleaning out ears, and other optional services. This is a rewarding career for someone with a passion for taking care of animals, but as with most professions, it comes with its own risks. Aside from the general business risks possible lawsuits, there is also a heightened risk of bodily injury caused by some pets during the grooming process. These risks should be protected by commercial pet groomers insurance.
Types of Pet Groomers Insurance
Covering potential risks of a being a pet groomer, there are several types of insurance for pet groomers available. Pet groomers should be aware of each policy, what it covers, and how it can protect them. Here’s what you should know:
Pet Groomers General Liability Insurance
The most basic type of insurance for pet groomers is general liability insurance. This covers a variety of risk exposures, such as property damage or bodily injury as a result of the grooming process, along with risks that can happen inside your groomer building. For example, if you have a visitor in your grooming building that is bringing in their dog and another client’s dog bites them, they can sue you for bodily injury. General liability insurance will cover the legal costs of such a lawsuit. General liability may also cover other risks, including those associated with your operations or products.
Pet Groomers Crime Insurance
Crimes can happen at any time and are not always possible to prevent. If a crime has occurred in your pet grooming shop, you may be liable for the damages. For example, if an employee has embezzled money or if there has been theft or vandalism in your grooming shop, you are losing possibly thousands of dollars. Crime insurance will help cover these costs and replace the money that was stolen. This also applies to forged checks used by clients to pay for grooming services.
Pet Groomers Workers Compensation
If you have at least one employee working for your pet groomer business, you are required by law to obtain worker’s compensation insurance. Worker’s compensation insurance covers injuries or illnesses suffered by your employees during their normal business operations. To illustrate, if an employee is scratched by a cat while grooming her and the scratch becomes infected, she may need medical treatment. In this case, the worker’s compensation insurance policy pays for the medical treatment, medications, and doctor’s appointments, along with any lost wages.
Pet Groomers Commercial Auto Insurance
Many pet groomers provide mobile grooming service in which they drive a grooming van to the client’s home in order to groom their pet. If you are a mobile pet groomer, you will benefit from business auto insurance. Any type of accident you are involved in while driving your grooming vehicle will typically be covered by business auto insurance, including vehicle damage and bodily injury. Many business auto insurance policies also cover theft and vandalism.
Being a pet groomer means that you are responsible for the care and appearance of your client’s pets. While you are an experienced groomer with a passion for your job, you should also consider the legal ramifications if something should go wrong and obtain proper business pet groomers insurance.
