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Most business owners and homeowners get the services of guard dog businesses to protect property against theft, burglary, vandalism, and fire.
Just like a dog walking business or pet sitting business, your guard dog business needs insurance too. You’ll get the best protection through tailored guard dog insurance or protection dog insurance.
The article features its cost,the various policies, and the best carriers to buy your coverage.
When shopping for protection dog insurance, you’ll first want to consider the kind of coverage you’re looking for. There are plenty of different types of coverage available. But you’ll get primary protection through guard dog liability insurance.
This comes in different forms. However, the most common ones for your guard dog business are;
It is a very common type of insurance. In fact, this is the first inclusion in tailored insurance for guard dog businesses.
The primary function of general liability insurance is to protect your business against claims made by vendors, visitors, clients, and other third parties due to the following:
No. Your general liability policy only covers security dog services. Ask the person before hiring to get dog trainer insurance and name you as an additional insured. Ideally, this must have a $1 million-$2 million general liability policy.
Your employee might commit mistakes resulting in economic or financial loss for a client. In turn, the client will file a claim against your business to recover his or her loss. General liability insurance can’t help you with this. So what insurance will have your back? Professional liability insurance.
Professional liability insurance is a common inclusion in tailored business insurance for guard dog companies. Insurance companies recommend you also get this aside from having general liability insurance. Professional liability insurance will cover attorney fees, other legal costs, and compensatory payments if a client files a claim for:
Of course, your guard dog business can’t operate without a commercial building. The primary function of commercial property insurance is to:
Inside your business’s commercial building are dog food, cages, medicines, office furniture, important documents, and other valuables.
Commercial property insurance takes care of those through its stocks and contents coverage. If the items we mentioned gets damaged or lost due to fire, theft, vandalism, extreme weather, and other covered perils, stocks and contents coverage will reimburse your losses.
The amount of reimbursement commercial property insurance provides will be equal to the actual cash value or replacement cost of your damaged commercial property.
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Your employee might experience injuries or sickness because of work. A few example of work-related hazards are:
You have to shoulder expenses when an employee becomes sick or injured due to tasks. The problem is that using business funds isn’t ideal. Workers’ compensation insurance is the quickest solution for this.
When an employee suffers from a work-related injury or disease, workers’ compensation insurance will pay for treatment, hospitalization, rehabilitation, medication, and lost income compensation on your behalf.
The amount of compensation for lost income your employee receives will be equal to two-thirds or 67% of the average weekly wage.
You need to get commercial auto insurance if you’re using a vehicle to transport guard dogs, get supplies, and other related activities. This insurance is either bundled in tailored guard dog insurance together with the ones we discussed above, added as an endorsement, or be purchased as a separate insurance policy.
So what does commercial auto insurance do? Commercial auto insurance offers the following types of protection:
A business owner’s policy combines general liability insurance and commercial property insurance. Its cost is cheaper than buying commercial property and general liability insurance separately.
But still, depending on the company underwriting it, a business owner’s policy comes with more options.
Security dog insurance cost in America is about $35 per month or $420 per year for a $1 million general liability insurance policy.
While rates may vary depending on the specific guard dog business, please find some average guard dog insurance costs from some of the leading guard dog insurance companies and providers
It has an online quotes comparison platform you can use to find insurance companies offering coverage for your guard dog business.
It allows you to buy the offers of insurance companies instantly. This means that there are no lengthy talks with insurance agents.
Upon getting insured, you’ll get access to MyCoverWallet app where you can pay insurance premiums online, file and track a claim, or manage policies.
Average cost: $15 per month
F.I.D.O. is a coalition of dog owners and insurance companies. you’ll be able to get liability coverage for your dog regardless of the kind of breed that it is, as many insurers are biased against particular breeds.
F.I.D.O. policies are meant to be affordable and accessible, and they start at a minimum rate of just $20 per month.
Average cost: $20 per month
Our rating: 9/10
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XINSURANCE is a company that specializes in providing customers with liability insurance that they can’t get coverage for elsewhere. Whereas your homeowners, business, and employers liability policies will cover you in case of certain things, XINSURANCE will cover you in every other one.
Along with guard dogs, these policies will also cover you from liability related to your service dog or any kind of protection dog.
Average cost: $33 per month
Our rating: 8/10
The Einhorn Insurance agency is similar to F.I.D.O. in that it provides coverage for breeds that would be considered more dangerous. Einhorn’s policy is popular with clients that have to get their animal insured so that they can bring it into an apartment or a rented home.
They will even work with clients that own a dog that has a history of aggression, allowing clients to get their pets out of quarantine after an incident.
Average cost: $41 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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