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Insurance Guide
One accident, one injury claim, one fire — and an uninsured pet business can be wiped out overnight. Here's what coverage to carry and why.
This is the non-negotiable baseline. General liability covers third-party claims of bodily injury, property damage, and personal injury that happen at your business. If a client's dog bites another customer in your lobby, you're covered.
Also called "care, custody, and control" coverage in the pet industry — this covers claims that arise from the services you provide. If a dog in your care gets injured during grooming or escapes and gets hurt, this kicks in.
Covers your equipment and facility against fire, theft, vandalism, and certain natural disasters. If your grooming dryers and tables are destroyed in a fire, this replaces them. Essential if you own equipment.
Required by law in most states the moment you hire employees. Covers medical expenses and lost wages if an employee is injured on the job.
If a covered event (fire, hurricane, burst pipe) forces you to close temporarily, business interruption coverage replaces your lost income during the closure. Critical for owner-operators whose income stops when the door closes.
Vaccination records, signed waivers, incident logs, and client communications — all stored in Animal Friends OS. Documentation is your best defense in an insurance claim or dispute.
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