OTHER TYPES OF INSURANCE A DOG DAYCARE BUSINESS MIGHT NEED.
Apart from the General liability and professional liability coverage for your dog daycare business, other types of insurance for a dog daycare business are commercial property insurance, animal bailee, and workers’ compensation.
Let’s look at each in detail:
Commercial property insurance – Dogs just love to chew, gnaw and dig on things in their environment. When in your environment or business setting, this habit is likely to be exhibited on your property. This will likely leave some things damaged in the long run and you would have no other option than to replace them.
The commercial property insurance would take care of this problem. Your equipment, furnishings, tools, building, signs, and other physical assets in the event of damage or loss are covered under this insurance. It does not matter if the dog damages exposed water pipes or wirings, leading to heavy leakage or a fire outbreak. The cost will be covered under commercial property insurance.
Workers’ compensation – This covers your staff in case they suffer a work-related injury, illness, or death that requires medical treatment or results in lost wages. In fact in almost all states in the U.S.A, Workers’ compensation is a requirement if you don’t want your business going under from lawsuits that can come from lawsuits from your workers, so to protect yourself and your business, you should really consider getting Workers’ compensation for your staff.
Animal bailee – If a pet under your care falls sick, gets injured, gets missing, or dies under your care, the costs that may arise from this situation will be covered under the Animal bailee. Transportation of the dog to a vet clinic or hospital, veterinary costs, search and rescue costs, and much more are covered under this package.