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.
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.
Get all the best quotes from leading providers in a click of a button!
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
Get all the best quotes from leading providers in a click of a button!
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
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!
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
