Insurance for Doggy Day Cares: Common Insurance Gaps in Pet Care Businesses and How to Avoid Them

Many doggy day care owners assume that a basic business policy covers all their needs. However, pet care businesses often encounter situations that require specialized coverage. Here are some coverage options to fill potential gaps:

• Animal bailee coverage—Standard property insurance typically covers your building and equipment, but not the pets in your care. Animal bailee coverage helps protect your business if an animal is injured, lost, or stolen while under your supervision.
• Professional liability—Accidents can happen, even with the best care. If a pet is injured or a client claims negligence, professional liability insurance can help cover legal costs and settlements.
• Employee-related risks—If you have staff, you may need workers’ compensation and employment practices liability insurance. These policies can help protect your business from employee injuries or claims of wrongful termination or discrimination.
• Commercial auto coverage—If you transport pets or otherwise use vehicles for work, personal auto insurance won’t cover accidents that occur during business operations, making a commercial auto policy necessary.
• General liability limits—General liability insurance is a must, but it’s important to review your policy limits. Some policies may not cover incidents like dog bites, property damage, or third-party injuries that occur on your premises.

Tips to Avoid Insurance Gaps

• Work with an insurance professional who understands Washington’s pet care industry.
• Review your policies annually to ensure they reflect your current services and risks.
• Ask about endorsements or specialty coverages for animal care, transport, and employee practices.
• Keep detailed records of incidents and safety protocols to support any future claims.

Protect Your Doggy Day Care With Confidence

American West Insurance Agency Inc. is dedicated to helping Washington pet care businesses secure the proper coverage. If you have questions about your current insurance or want to explore options tailored to your doggy day care, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.