Guard Dog & Security Dog Insurance: Cost & Quotes From $11

Advertiser disclosure

Your trust matters to us. Always.

We believe everyone deserves access to clear, honest, and unbiased information when it comes to insurance decisions. While we don’t include every provider or product available, we work hard to offer guidance that’s well-researched, accurate, and helpful completely free of charge.

So how do we keep the lights on? We may earn compensation from some of the companies we feature or link to. This can influence which products appear and where they’re placed on our site. However, it doesn’t affect our editorial standards. Our reviews and recommendations are based on thorough research, real-world insights, and a commitment to helping you make informed choices. No partner can pay to receive a favorable review.

Updated: March 27, 2025 . 8 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

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. 

Guard Dog Liability Insurance

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;

General Liability Insurance for Guard Dog Companies

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:

  • Personal injuries – Your guard dog bit someone. The injured person decided to take the matter to court to hold your business liable. General liability insurance will help pay for attorney fees, other legal costs, and compensation to the plaintiff on your behalf
  • Property damage – Your guard dog became unruly and did some minor damage to a client’s property. The client in question wants you to reimburse the value of the property damaged. In this situation, general liability insurance will take care of expenses on your behalf.

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. 

Professional Liability Insurance

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:

  • Negligence
  • Misrepresentation
  • Violation of good faith and fair dealing
  • Breach of confidentiality
  • Other acts considered errors and omissions

Commercial Property Insurance for Guard Dog Business 

Of course, your guard dog business can’t operate without a commercial building.  The primary function of commercial property insurance is to:

  • Provide reimbursements equal to the value of the building that fire or extreme weather destroyed
  • Provide reimbursements equal to the value of the building that fire, extreme weather, vandalism, theft, and other covered perils damaged

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. 

Compare Guard Dog Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

Workers Compensation Insurance for Guard Dog Business

Your employee might experience injuries or sickness because of work. A few example of work-related hazards are:

  • Employee getting bitten by a dog
  • Employee slipping, falling, or tripping
  • Employee contracting a zoonotic disease 

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. 

Commercial Auto Insurance 

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:

  • Auto liability coverage – Your guard dog business’s vehicle might cause an accident and injure people or damage property. In connection, auto liability coverage will take care of paying for medical expenses and reimburse damaged property on your behalf
  • Physical damage coverage – Physical damage coverage has two forms: collision and comprehensive. Collision physical damage coverage will take care of parts repair or replacement if a business’s vehicle collided with an object or another vehicle and incurred damage as a result. Comprehensive physical damage coverage will take care of parts repair or replacement if your commercial vehicle got damaged by fire, theft, vandalism, extreme weather, and other covered perils
  • Medical payments/personal injury protection – Medical payments/personal injury protection will take care of your medical expenses, the driver, and the passenger.

Business Owner’s Policy

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. 

Rank and Review Insurance Companies

Help others make better decisions

Show more

 

Guard Dog Insurance Cost

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

Best Guard Dog Insurance Companies

CoverWallet Insurance

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 

Our rating: 10/10

Pros

  • Compare quotes online
  • Cancel a policy anytime
  • Get covered in an instant
  • Stable rates
  • Has more than 10 types of insurance products available for your guard dog business 

Cons

  • Doesn’t sell its own insurance for guard dog businesses 

Federation of Insured Dog Owners

Pros

  • Covers common guard dog breeds

Cons

  • Limited online presence

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

Compare Guard Dog Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

XINSURANCE Guard Dog Insurance

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

Pros

  • Policy adaptable for various kinds of dogs
  • Wide area of service

Cons

  • Handles claims poorly 

Einhorn Insurance Agency

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

Our rating: 7/10

Pros

  • Works with guard dog businesses that have spotty histories

Cons

  • Relatively expensive

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

Recent Reviews

Recent Posts


Additional Business Insurance posts

Become a voice

Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!