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Cattery Insurance: Cost & Quotes From $11/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. What is Cattery Insurance?1.1. Why Get Cattery Insurance?2. Cattery Liability Insurance3. Cattery General Liability Liability Insurance 3.1. What Are Some Specific Scenarios Where Your Cattery Can Use General Liability Insurance?3.2. Why is It Important to Get General Liability Insurance for a Cattery?3.3. What Are the Common Limits of General Liability Insurance for Catteries?3.4. Is It a Plus to Have General Liability Insurance Ready and Waiting?4. Cattery Professional Liability Insurance4.1. What Specific Problems Can Professional Liability Insurance Help With?4.2. Will Professional Liability Insurance Cover Vet Expenses if a Cat Gets Injured Because of Negligence?4.3. Does My Cattery’s Professional Liability Insurance Extend to Hired Pet Trainers?4.4. Authorities Are Taking Legal Action Against My Cattery’s License. Can Professional Liability Insurance Help?5. Product Liability Insurance for Catteries 5.1. I Run a Breeding Cattery. Can I Use Product Liability Insurance if the Client Files a Claim and Accuses Me of Selling an Unhealthy Cat?6. Commercial Property Insurance for Catteries6.1. What Exposures Does Commercial Property Insurance Cover?6.2. Valuable Objects Inside Can Also Get Damaged if Something Happens to My Cattery. Does Commercial Property Insurance Also Cover This Exposure?6.3. Can Commercial Property Insurance Help if the Cats in My Custody Damaged Furniture, Electronics, and Other Valuables in the Cattery?7. Business Owner’s Policy for Catteries8. Tools and Equipment Insurance for Catteries9. Workers Compensation Insurance for Catteries10. Other Policies to Enhance Your Cattery Insurance11. Cattery Insurance Cost12. Best Cattery Insurance Companies12.1. Next Cattery Insurance 12.1.1. Pros12.1.2. Cons12.2. CoverWallet Cattery Insurance 12.2.1. Pros12.2.2. Cons12.3. Tivly Cattery Insurance 12.3.1. Pros12.3.2. Cons12.4. Thimble Cattery Insurance 12.4.1. Pros12.4.2. Cons12.5. Hiscox Cattery Insurance 12.5.1. Pros12.5.2. Cons12.6. Pet Care Cattery Insurance 12.6.1. Pros12.6.2. Cons12.7. Travelers Cattery Insurance 12.7.1. Pros12.7.2. Cons

Taking care of other people's cats is a fulfilling and rewarding business. However, caring for these small pets comes with a great deal of responsibility, because the pet owners entrusted the care, custody, and control of their furry friends to you.

 How do you cover veterinary medical bills if a cat gets injured or falls ill in your cattery? What employee benefits do you offer your staff members in case of work-related injuries or illnesses? What if a customer picking up their cat suffers an injury while on your property?

All these are risks that your business faces every day. To protect your cattery, consider purchasing cattery insurance. In this guide, you will learn what policies are included, how much to pay for premiums, and which companies provide comprehensive coverage.  

What is Cattery Insurance?

Cattery insurance is an insurance package that’s made for communal catteries, semi-communal catteries, celled catteries, and breeding catteries. This consists of policies you’ll find in other insurance products such as pet boarding insurance. Policies you can avail from this are general liability, animal bailee, professional liability, workers' compensation, and more. 


Why Get Cattery Insurance?

You need kennel and cattery insurance because:

  • Cats in your care can get injured-The tailored business insurance program for catteries can help cover the cost of vet services and even grant compensation to the owner in case the cat dies or gets totally lost

  • Cattery equipment isn’t cheap-You don’t want to continuously buy new pieces of equipment in case they get damaged. Cattery insurance will grant the money you can use to cover equipment repair or replacement costs 

  • Protection against loss of income-Sometimes, a disaster can force you to halt your pet care operations and services; in that case, cattery insurance can cover any lost income and extra expenses due to the sudden business closure


Cattery Liability Insurance

Liability coverage is a common inclusion in the tailored insurance for catteries. You can choose between two types of cattery liability insurance-general liability and professional liability. Investing in cattery liability insurance protects your business from significant financial losses, demonstrates professionalism and responsibility, and offers peace of mind. 


Cattery General Liability Liability Insurance 


CoverWallet NEXT (Best)Thimble HiscoxPet Care 
Per occurrence limit $1,000,000$500,000/$1,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$2,000,000
Products and completed operations aggregate limit $2,000,000
$1,000,000$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000
$1,000,000
Tenant’s legal liability coverage limit $100,000
$100,000$5,000$100,000$100,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedNo
Equipment breakdown floater included?No YesYesCan be includedYes
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
Deductible$0$0$0$0$0


General liability insurance, which you can also find in pet sitting insurance programs, protects cattery owners from the financial implications of unintentional third-party injuries or property damages due to your business operations. 

Also referred to as commercial general liability, this insurance covers legal expenses and any compensatory amounts that may arise from lawsuits. Use the table above to see which insurance company offers the best general liability insurance for catteries. 


What Are Some Specific Scenarios Where Your Cattery Can Use General Liability Insurance?

Examples of scenarios that general liability insurance would cover include: 

  • If a cat accidentally escapes the cattery, runs into the road, and causes an accident

  • If a cat bites or scratches a client in the cattery

  • If a customer's cat gets injured while under your cattery's care

  • A pet trainer you hired gets injured by one of the cats under your care 


Why is It Important to Get General Liability Insurance for a Cattery?

Without general liability insurance, cattery owners may be held personally responsible for accidents and will have to pay for the damages out of their business accounts. That can lead to huge financial losses for the business. 

On the flip side, if you've secured liability insurance, it will cover the following costs for settling third-party personal injury claims, injuries, and property damages:

  • Legal defense

  • Settlements

  • Court judgments

  • Reimbursement for property damage or compensation for the sustained bodily injuries 


What Are the Common Limits of General Liability Insurance for Catteries?

General liability insurance for catteries has a $1 million-$2 million per occurrence and aggregate limit. Nonetheless, it’s possible to find insurance companies that sell a general liability policy with as little as $300,000 limit or as much as $5 million limit. 


Is It a Plus to Have General Liability Insurance Ready and Waiting?

Many owners prefer leaving their cats with an insured cattery owner, as the insurance demonstrates a facility's dedication to providing responsible and professional services, as well as the necessary measures to protect its customers and their pets. 


Cattery Professional Liability Insurance


CoverWallet NEXT Thimble (Best)Hiscox
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$2,000,000
Name additional insureds?YesYesYesYes
Waiver of subrogation included?YesNoYesYes
License defense coverage included?NoNoNoNo
Deductible $500$500$500$500


Also known as professional indemnity coverage or errors & omissions (E&O) insurance, this policy safeguards cattery owners from financial losses arising from lawsuits due to negligence, errors, mistakes, misconduct, or failure to deliver services as promised. Use the table above to see which insurance company offers the best professional liability insurance for catteries. 


What Specific Problems Can Professional Liability Insurance Help With?

Professional liability insurance can help you sort things out if a client files a claim because:

  • The cat entrusted to you was claimed by someone else

  • The cat broke out of your cattery and got lost

  • Your employee hurt the cat while grooming it

  • Your employee was negligent in feeding the cat and it experienced allergies 


Will Professional Liability Insurance Cover Vet Expenses if a Cat Gets Injured Because of Negligence?

No. Professional liability insurance doesn’t cover vet expenses. However, it can reimburse the financial losses that the claimant incurred after covering the medical treatment of his or her feline friend. 


Does My Cattery’s Professional Liability Insurance Extend to Hired Pet Trainers?

Professional liability insurance will protect your business and its employees. Its coverage doesn’t apply to independent contractors. This is why it’s important to ask the pet trainers to get their own pet training insurance with a $1 million-$2 million professional liability policy. 


Professional liability insurance can help, provided that it comes with a license defense coverage. License defense coverage is an endorsement of professional liability insurance that grants $25,000-$50,000 you can use to cover investigations and lawsuits filed by licensing boards.


Product Liability Insurance for Catteries 

Your cattery may supply products, such as cat food and toys. The food items you sell can cause allergies and other health complications to the cat. A pet owner can file a claim and seek compensation for the damages caused by your products. Product liability insurance covers the legal fees and settlements arising from these claims. 


I Run a Breeding Cattery. Can I Use Product Liability Insurance if the Client Files a Claim and Accuses Me of Selling an Unhealthy Cat?

Product liability insurance may cover reimbursements and product recall costs in such a case because the cat in question is considered a product of your business. However, if licensing boards decide to conduct an inquiry against your business, then know that this falls out of the scope of product liability insurance. 

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Commercial Property Insurance for Catteries


CoverWalletNEXT (Best)ThimbleHiscox
Building coverage limit (minimum)$50,000$25,000$25,000/$500,000$25,000
Contents coverage limit (minimum)$50,000$25,000$25,000/$500,000$15,000
Outdoor signsExcluded$2,500ExcludedIncluded
Accounts receivableExcludedExcluded$5,000/$10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keysExcluded$2,500ExcludedIncluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000Excluded
Employee dishonesty floaterExcluded$5,000$2,500Excluded


Building a cattery is expensive and this will require you to invest a lot of money from your personal account or request a huge loan from the bank. This is why it’s important to get commercial property insurance. Use the table above to see which insurance company offers the best commercial property insurance for catteries.


What Exposures Does Commercial Property Insurance Cover?

Commercial property insurance for catteries is underwritten as an all-risk policy that will reimburse the value of your cattery if it gets damaged or destroyed because of:

  • Fire

  • Theft

  • Vandalism

  • Riot

  • Civil commotion

  • Sinkhole collapse

  • Volcanic action

  • Lightning

  • Weather

  • Falling objects

  • Impact

  • Aircraft

  • Vehicle

  • Sprinkler leakage

  • Burst pipes


Valuable Objects Inside Can Also Get Damaged if Something Happens to My Cattery. Does Commercial Property Insurance Also Cover This Exposure?

Yes. Commercial property insurance will reimburse the value of crates, cat supplies, cat cages, grooming equipment, and other valuables that get damaged or destroyed by the covered perils we mentioned.


Can Commercial Property Insurance Help if the Cats in My Custody Damaged Furniture, Electronics, and Other Valuables in the Cattery?

No. Animal damage is excluded in the terms of commercial property insurance. Therefore, the policy won’t reimburse financial losses in such a case.


Business Owner’s Policy for Catteries


CoverWalletNEXT (Best)HiscoxThimble
General liability aggregate limit$2,000,000$500,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000
Commercial property coverage limit$50,000$25,000$25,000$25,000/$500,000
Optional policies can be added?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


You can save money on cattery liability insurance by purchasing it as part of a business owner's policy (BOP) instead of buying it independently.

A BOP combines several policies (such as general liability, commercial property, business interruption coverage, etc.) in a single insurance package sold at a lower price than buying the individual policies separately.

Therefore, it provides comprehensive coverage at an affordable rate. Use the table above to see which insurance company offers the best business owner’s policy for catteries.


Tools and Equipment Insurance for Catteries


NEXT (Best)ThimblePet CareHiscox
Aggregate limit$3,000/$10,000$2,500/$5,000$50,000$15,000/$25,000
Covers hired and borrowed equipment?$3,000/$10,000$2,500/$5,000$50,000No
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
Deductible$500$500$0$0


Tools and equipment insurance further protects your cattery’s cages, electronics, and other valuable equipment against fire, theft, vandalism, and other covered perils. You can purchase this as a stand-alone policy or as an endorsement to general liability insurance. Use the table above to see which insurance company offers the best tools and equipment insurance for catteries.


Workers Compensation Insurance for Catteries

Workers' compensation insurance is important considering that you can’t run a cattery effectively by yourself.

The part-time and full-time employees of your cattery can slip and fall because of unwept urine on the floor, get scratched or bitten by a cat, or sustain an illness after getting exposed to a cat that’s in a poor condition.

Workers' compensation insurance allows you to cover costs if an employee sustains a work-related injury or disease.

Particularly, this provides the money you can use to pay the employee’s medical treatment, hospitalization, medication, rehabilitation, retraining, and lost wages. The policy also covers death benefits if your employee succumbs to his injury or disease.


Other Policies to Enhance Your Cattery Insurance

General liability, professional liability, workers' compensation, tools and equipment, and commercial property insurance aren’t the only policies included in a cattery insurance package. Depending on your unique needs, these might also be available:

  • Animal bailee insurance-Sometimes, pet owners bring their cats to your cattery for care and custody during your business hours. Animal bailee insurance is designed to protect your clients' pets. It will protect your business in case a cat gets injured, sick, or suffers health complications because of the food you provide.

  • Inland marine insurance-Providing your clients with the best cattery experience may also involve transporting pet cats from one location to the other. Inland marine insurance covers the value of these cats while they’re being transported to and from clients' homes or veterinary care facilities.

  • Commercial auto insurance-If your cattery uses its own commercial vehicle that’s used to fetch and deliver cats, then your cattery insurance package will offer a commercial auto policy. Commercial auto insurance will cover the cost of accidents, vehicle repairs, and even cover the repair or replacement of the attachments to your cattery’s vehicle

  • Cyber liability insurance-Cyber liability insurance is a must if your cattery runs a website for marketing products and services. If the website gets breached and the sensitive information of customers and your business is exposed, cyber liability insurance will cover the cost of containing the breach, public relations, legal defense, credit and fraud monitoring, and others



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Cattery Insurance Cost


Cost per MonthCost per YearDeductible
General liability insurance$25$300$0-$500
Professional liability insurance$50$600$500-$1,000
Commercial property insurance$30$360$1,000-$2,000
Business owner's policy$55$660$1,500
Animal bailee insurance$60$720$500
Commercial auto insurance$28$336$500
Workers compensation insurance$57$684$2,500
Cyber liability insurance$61$732$1,000
Inland marine insurance$29$348$500-$1,000


The average cattery insurance cost is $25 per month or $300 per year for a $1 million general liability policy. Compare cattery insurance quotes yourself to get a better idea of premiums. Start by clicking the “Get Quotes” button on this page. 

While catteries each have their own unique risks, insurance companies determine premiums based on:

  • Business location

  • Number of staff members

  • The types of insurance policies required

  • Deductible level

  • Projected annual revenue

  • Policy limits

  • The insurance provider you choose


Here’s another table showing the cost of a $1 million general liability policy from companies that offer cheap cattery insurance quotes:


Cost per MonthCost per YearBest for
Pet Care$11$132Cattery owners preferring personalized insurance services
NEXT$15$180Best overall; Fastest general liability insurance for catteries
CoverWallet$17$204Comparing insurance quotes for catteries online
Tivly$19$228Comparing insurance quotes for catteries over the phone
Thimble$20$240On-demand coverage for catteries
Hiscox$22$264Insurance for catteries that automatically renews every year
Travelers$28$336Cattery owners searching for an inclusive coverage

Compare Cheap Cattery Insurance Quotes Online

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Best Cattery Insurance Companies

Your cattery business has unique needs totally different from other professionals, such as pet groomers or dog trainers. On the other hand, the insurance sector has many providers catering to various industries. 

To ensure you get proper coverage for your cat boarding business, it's essential to partner with a carrier that can hand-pick the best policies for your business to provide tailor-made insurance. These are the best cattery insurance companies. The reviews below show their pros, cons, and cost of a $1 million general liability insurance. 


Next Cattery Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for catteries

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

If you're a tech-savvy cattery owner looking for business insurance, consider partnering with NEXT. Established in 2016, NEXT provides quick and easy online insurance products and services. Customers can sign up hassle-free and file their insurance applications within minutes. 

NEXT boasts an extensive product portfolio to cater to the coverage needs of small businesses. This company covers catteries through its pet boarding insurance package that offers  general liability, commercial property coverage, workers' compensation, commercial auto insurance, tools and equipment insurance, and professional liability. Besides, customers can opt to take out NEXT BOPs, which combine general liability and commercial property policies. 

While you can choose to purchase insurance policies individually, NEXT provides cost-saving opportunities and gives customers a 10% discount when they bundle two or more policies. Once approved, business owners can access their insurance certificates online and even add additional insureds digitally. The carrier also has an online customer portal where insureds can file claims, although they can also report claims over the phone. 

NEXT boasts of being AM Best-rated, which means it has the financial strength to handle its own insurance claims. That gives you the confidence that the company will expedite your claim settlement. 

Best for: Best overall; Fastest general liability insurance for catteries

Average cost: $15 per month

Our rating: 10/10


CoverWallet Cattery Insurance

Pros

  • Compare insurance quotes for catteries online

  • Cancel your coverage anytime

  • Terrorism endorsement can be added to your general liability policy

  • Easy online policy management 

Cons

  • Not an insurance company but an insurance broker 

CoverWallet covers your cattery through its pet boarding insurance package. Note that the policies you’ll get will be underwritten by CoverWallet’s partners. Here’s a quick summary of what you can avail from this company:

  • $1 million-$2 million general liability insurance

  • $50,000 commercial property insurance

  • $1 million professional liability insurance

  • Business owner’s policy

  • Workers compensation insurance

  • $1 million cyber liability insurance

Work with CoverWallet because it has an online insurance management platform that allows you to name additional insureds and pay premiums online. You can also use this to view the current limits of your existing coverages. 

Best for: Comparing insurance quotes for catteries online

Average cost: $17 per month

Our rating: 10/10


Tivly Cattery Insurance

Pros

  • Responsive customer service

  • Compare quotes over the phone

  • A partner of many reputable insurance companies

  • Sells animal bailee insurance as a stand-alone coverage

Cons

  • You need to call to get a quote 

Tivly (formerly CommercialInsurance.NET) doesn’t have a cattery insurance package. However, you can still get covered since Tivly can hook you up with a partner that might have a related coverage. That said, call a representative to compare quotes over the phone. 

Best for: Comparing insurance quotes for catteries over the phone 

Average cost: $19 per month

Our rating: 10/10


Thimble Cattery Insurance

Pros

  • On-demand coverage

  • Quick to issue an estimate of your rates

  • Numerous add-ons that are reasonably priced

  • Easy to get a certificate of insurance

Cons

  • You can’t reach customer service by calling 

Catteries are covered through Thimble’s pet boarding insurance program. However, understand that this company might reject insurance if you’re running a breeding cattery. Policies you can avail and workers compensation, business owner’s policy, and general liability insurance that can be purchased as a short-term coverage. 

Best for: On-demand coverage for catteries

Average cost: $20 per month

Our rating: 9/10


Hiscox Cattery Insurance

Pros

  • Worldwide coverage

  • Automatic policy renewal

  • Free and extensive risk management resources

  • Purchase a coverage online and through an agent

Cons

  • Workers compensation and commercial auto insurance is underwritten by a partner 

You might get your cattery covered through Hiscox’s pet daycare, hotel, and motel insurance package. Policies that this offers are business owner’s policy and cyber liability insurance. Consider calling an agent to avail of other business insurance solutions over the phone. 

Hiscox automatically renews the policy of your cattery every year. Moreover, you get free access to online risk management resources. Also, in case you need to use an insurance product, Hiscox allows you to file a claim online or over the phone. 

Best for: Insurance for catteries that automatically renews every year 

Average cost: $22 per month

Our rating: 9/10


Pet Care Cattery Insurance

Pros

  • Offers a wide range of policy options

  • Comprehensive tools and equipment coverage

  • Online quotes available

Cons

  • Add-ons are too expensive 

Pet Care Insurance (PCI) is a company dedicated to providing the most robust coverage for pet boarding and pet care businesses. It partners with reputable pet care insurance companies, such as Veracity Insurance Solutions, Lloyd's, and CNA.

Due to its partnership with three of the most renowned insurers, PCI provides cattery owners with virtually every insurance policy they need for their businesses: general liability coverage, personal and advertising injury coverage, animal bailee insurance, veterinarian costs reimbursement, equipment and inventory coverage, lost key liability coverage, leased commercial property coverage, etc. 

The company also works with a knowledgeable and seasoned team of pet insurance specialists who understand the industry and its risks and can custom-make your insurance policy to protect your cattery from all potential risks. Besides, PCI provides easy contact channels (phone and online chats), enabling customers to get answers to their queries directly.

Best for: Cattery owners preferring personalized insurance services

Average cost: $11 per month

Our rating: 8/10


Travelers Cattery Insurance

Pros

  • Insurance underwriting backed by 165 years of experience

  • Internationally acclaimed insurance provider

  • Insurance is available in all 50 states, as well as Washington, D.C., and Puerto Rico

  • Extensive and valuable library of risk mitigation resources

  • Offers an online portal for easy workers' comp claims monitoring 

Cons

  • Doesn't provide online quotes

Travelers has been around since 1853 and has built a track record as one of the best kennel and cattery insurance companies. The insurer provides insurance products and services to a wide range of businesses in the pet industry, from pet groomers and pet boarders to pet daycare, vets, and pet sitters. 

The company offers a comprehensive BOP that automatically includes pet grooming liability and boarding kennel liability coverages. The insurer offers Power Pac Premier ℠, a policy plan that features enhancements for catteries with complex coverage needs. That enables cattery owners to bolster their BOP based on their specific needs. 

Additionally, Travelers BOP can include a range of policies to provide the most comprehensive coverage. These policies include commercial general liability, commercial property insurance, business income and extra expenses (BIEE)/business interruption coverage, employee dishonesty coverage, animal bailee insurance, medication spoilage coverage, and professional protection for vets. 

Because Travelers is an internationally recognized insurance company, customers can only purchase insurance from brokers, which is beneficial since local insurance agents understand the local market and provide personalized services. Additionally, the company has an online portal that enables everyone involved in workers' compensation– employers, employees, and pet care providers–to track the claim. The only disadvantage is that you can't get insurance quotes online. 

Best for: Cattery owners searching for an inclusive coverage

Average cost: $28 per month

Our rating: 8/10


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