You spend a lot of time and invest a lot of attention towards caring for the needs of other people’s pets. But, how well are your needs being met with the right insurance for kennels and animal shelters? You might not have the coverage you think you have. Phoenix Insurance Group can conduct a quick audit of your current insurance situation to identify areas where coverage is adequate, excessive, or in need of an upgrade.

What Could Go Wrong?

Those are certainly famous last words – especially when it comes to kennels and animal shelter businesses.  The fact is, a lot can go wrong, including any of the following:

• Homesick dog or cat destroys property
• Dogs or cats bite other dogs or cats
• Dogs or cats bite people
• Visitors slip or fall
• Pets become ill while under your care
• Injure occurs to the animal on your property
• Fire on the property

Veterinarian and doctor bills can add up quickly, not to mention costs of potential damage to your facility.  Therefore, it is vital to your business to have to have insurance tailored to your facility and needs today.

What Kind of Insurance do You Need?

Shelters and kennels often have somewhat different needs. Many animal shelters are non-profit organizations, which means they’ll need insurance coverage to protect their volunteers, directors, and officers from liability.  Kennels and doggie daycares, on the other hand, are for profit businesses and must be insured in a manner that best meets those special needs. We can help distinguish the nuances between the two and ensure that you get the protection your business needs.  Some of the options that we offer for kennels and animal shelters are:

Commercial Property Insurance – This important insurance coverage provides protection for named events (typically fire, storms, vandalism, theft, etc.) to the buildings and structures on your property, inventory, and supplies. As a kennel owner you have the kennels themselves, as well as any upgrades you offer, such as video equipment, air conditioning, water systems, etc. that may need to be repaired or replaced after an event. There is also office equipment, computers, food supplies, emergency supplies, and more that will need to be replaced after a fire or similar event.

Professional Liability Insurance – Since you’re providing a service to pet owners that involves the care, feeding, and treatment of their pets, it’s important to carry errors and omissions coverage to protect yourself and your employees from litigation related to perceived or legitimate negligence or improper care of the pets you’ve been hired to protect.

General Liability Insurance for Animal Shelters – Visitors sometimes slip and fall on the property. In many cases you will be held responsible for their injuries. General liability will help cover the court costs and awards in these instances.

Loss of Income – If your kennel is damaged by a covered event and you’re unable to operate due to repairs and/or rebuilding, this valuable insurance helps replace the income you’ve lost so that you can continue paying the bills of your business while rebuilding.

Phoenix Insurance Group understands the unique needs facing kennels and animal shelters in Central and North New Jersey. We’re here to answer any questions you may have and help you get the right coverage for your New Jersey kennel. Call us today: 908-879-6500 to learn more about the custom animal shelter and kennel insurance plans we offer.