Choose Marine Agency Insurance For Your Pet Care Business
Marine Agency has partnered with The Hartford to deliver best-in-class comprehensive coverage for virtually all aspects of the pet care industry. Eligible businesses include mobile pet grooming, training services, kennels, veterinarians, and more. Request your proposal today!
What Do Our Pet Care Insurance Policies Include?
- Animal Bailee Coverage – covers accidental injury, death, or disappearance of animals in your care
- Animal Damage to Buildings – covers damage to your location caused by animals in your care
- Kennel Cough Coverage – covers the cost of business interruption, cleaning/disinfecting, veterinary care, and advertising costs
- General (trip & fall, products) Liability
- Professional (malpractice) Liability
- Property Coverage (burglary, fire, theft, etc.)
- Automobile Coverage – automatic $1,000 coverage for vehicle wraps
- Automatic deductible waiver for automobile glass claims
- Automatic 10% increase in coverage ($2,500 max) for total loss of a hybrid, EV, or natural gas vehicle if you replace the vehicle within 60 days
- Optional workers’ compensation coverage for businesses with employees
Buy what you want. Most coverage offered on a cafeteria basis – need everything? Great! Only want liability coverage? No problem!
Marine Delivers the Best Available, Most Comprehensive Pet Insurance Program.
- Commercial coverage is available throughout the lower 48 states and DC (everywhere but Alaska and Hawaii). Kennel cough coverage is not offered in California or New York.
- All coverage is purpose-built for the services you perform.
- Property coverage (not available in Florida) is written on a “special form”, or sometimes called “open perils”, policy. Instead of a short list of covered perils, we provide a short list of the ones that aren’t. If it’s not in the list, you’re covered!
FAQs
Running a pet care business involves unique responsibilities and exposures. At Marine Agency, we know the pet care industry — from grooming salons and mobile groomers to animal hospitals and boarding kennels — and we’ve put together this FAQ to answer common questions about pet care insurance.
Why is Pet Care Insurance Necessary For My Business?
Whether you run a grooming salon, boarding facility, animal hospital, or pet training service, you face everyday risks: pet injuries, client property damage, employee accidents, or allegations of negligence. Pet care insurance helps protect your business from financial loss caused by accidents, claims, or lawsuits, keeping your operations stable when incidents occur.
What Kind of Risks Are Covered Under Pet Care Insurance?
Policies for pet care businesses typically cover general liability for third‑party bodily injury and property damage, professional liability for grooming or behavioral services, care custody and control coverage for pets in your care, business property and contents, and employer’s liability/worker’s compensation for employee injuries. Optional coverages may include lost key or data breach protection, equipment breakdown, and business interruption.
How is Pet Care Insurance Different From Regular Business Insurance?
Pet care insurance is tailored to the specific exposures of animal services. Standard business policies may not cover liabilities tied to animals in your care — for example, a dog injured during boarding, a groomer’s negligence causing a pet injury, or a customer bitten on your premises. Our pet care policies address those distinct risks with appropriate limits and endorsements.
How Long Does it Take to Get My Pet Care Business Insured?
We streamline the process so you can get covered quickly. Once you provide the necessary business details (type of services, number of employees, square footage, annual revenue, and any prior claims), we can often issue a quote and bind coverage in as little as one business day.
Are All Pet Care Services Covered Under the Policy?
Coverage depends on the policy and any endorsements. Many standard policies cover grooming, boarding, and training, but higher‑risk or specialty services (e.g., veterinary procedures, anesthesia, aggressive animal handling, grooming with chemical treatments) may require additional endorsements or separate professional liability. Review policy terms or consult our team to confirm coverage for specific services you offer.
Can I Adjust my Coverage as My Business Grows?
Yes. As your business expands or adds services, you can increase limits, add endorsements (e.g., care, custody & control limits, professional liability), or modify property and business interruption coverage. We offer flexible policies to scale with your needs.
What Happens if I Face a Lawsuit From a Customer?
Professional liability and general liability coverages defend you if a client alleges negligence — for example, a pet injured during grooming, a bite incident, or property damage. These policies typically pay legal defense costs, settlements, or judgments up to policy limits. Care, custody & control coverage is especially important when a claim involves injury or loss to an animal under your supervision. If you face a claim, notify your insurer promptly so they can assign counsel and manage the claim.
Contact Marine Agency Today!
Embarking on the journey of safeguarding your pet care business doesn’t have to be daunting. With Marine Agency, you have a trusted partner who understands your industry’s ins and outs. If you have more questions or are ready to explore the best pet care insurance coverage for your business, click here, and let’s embark on this journey together. Your peace of mind is just a click away.