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Pet Boarding Insurance: Liability & 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. Who Needs Pet Boarding Insurance?1.1. Am I Still Eligible if I Use My House as a Pet Boarding Facility?1.2. I Provide Pet Sitting Services. Is This Activity Covered by My Pet Boarding Insurance Package?1.3. I Operate a Kennel Can I Avail Pet Boarding Insurance?2. The Benefits of Purchasing Pet Boarding Insurance3. Pet Boarding Liability Insurance4. Pet Boarding General Liability Insurance4.1. In What Specific Situations Can You Use General Liability Insurance?4.2. A Client Left Her Fur Baby in My Custody a Few Weeks Ago. Now, She’s Filing a Claim Because the Pet Suddenly Got Sick. Does General Liability Insurance Cover This?4.3. What Are the Usual Policy Limits of the General Liability Insurance for Pet Boarding Businesses?5. Professional Liability Insurance for Pet Boarding Businesses5.1. In What Situations Can Professional Liability Insurance Help Your Pet Boarding Facility?6. Animal Bailee Insurance for Pet Boarding Businesses6.1. What Expenses Are Covered?6.2. How Do You Avail Animal Bailee Insurance?7. Commercial Property Insurance for Pet Boarding Businesses7.1. What Exposures Are Covered by Commercial Property Insurance?7.2. What Business Properties Are Covered by Commercial Property Insurance?8. Business Owner’s Policy for Pet Boarding Facilities 8.1. How Much Coverage Can You Get From a Business Owner’s Policy?8.2. Can You Include Animal Bailee Coverage in a Business Owner’s Policy?9. Tools and Equipment Insurance for Pet Boarding Facilities10. Additional Policies to Protect Your Pet Boarding Business11. Can I Ask My Clients to Pay for My Services Through Their Pet Insurance?12. Pet Boarding Insurance Cost13. Best Pet Boarding Insurance Companies13.1. Next Pet Boarding Insurance 13.1.1. Pros13.1.2. Cons13.2. CoverWallet Pet Boarding Insurance 13.2.1. Pros13.2.2. Cons13.3. Tivly Pet Boarding Insurance 13.3.1. Pros13.3.2. Cons13.4. Thimble Pet Boarding Insurance 13.4.1. Pros13.4.2. Cons13.5. Hiscox Pet Boarding Insurance 13.5.1. Pros13.5.2. Cons13.6. Pet Care Dog Boarding Insurance 13.6.1. Pros13.6.2. Cons13.7. Travelers Pet Boarding Insurance 13.7.1. Pros13.7.2. Cons

Pet owners appreciate the pet boarding services you provide. But even so, it's critical to understand, similar to catteries, that your pet boarding business is always exposed to risks.

Even for an experienced and professional pet boarder like you, it's impossible to know how a dog will react after being separated from its owner and left to stay overnight in a new setting. It may become aggressive and bite one of your groomers, pet trainers, or any other employee.

In another case, a dog groomer you hired might accidentally injure a pet. The thing is, he might not have a pet groomer’s insurance package. In this case, your own insurance can fill in and cover the costs.

Pet boarding insurance can protect you and your business from the financial losses caused by the unexpected. Just like a dog feels protected and safe when you're walking them on a leash, pet daycare insurance puts you at ease.

 In case your client, a pet, or an employee suffers an injury or property damage because of your business activities, you can relax knowing that your insurance will cover the financial costs and your pet care business will continue to boom.

Who Needs Pet Boarding Insurance?

The pet care industry is pretty diverse, with various operators providing different solutions. Basically, small businesses involved in the care and custody of domestic pets need pet boarding insurance. 

Pet boarding insurance is a packaged and tailored insurance program that’s made up of general liability, professional liability, commercial property, animal bailee, workers' compensation, and other types of business insurance. Related insurance programs are dog walking insurance and pet sitting insurance. 


Am I Still Eligible if I Use My House as a Pet Boarding Facility?

The majority of insurance companies shy away from home-based pet boarding facilities. And so, the usual pet boarding insurance package might not be available. Nonetheless, you can get covered through pet home boarding insurance. 


I Provide Pet Sitting Services. Is This Activity Covered by My Pet Boarding Insurance Package?

Pet sitting is different from pet boarding. Therefore, this might be an excluded activity in your insurance program. Consider investing in pet sitting insurance in case you deploy employees to a client’s house to provide pet care services. 


I Operate a Kennel Can I Avail Pet Boarding Insurance?

Yes. Some insurance companies grant coverage to kennels and dog boarding businesses through their pet boarding insurance package.


The Benefits of Purchasing Pet Boarding Insurance

The main benefit of pet boarding insurance is that it grants immediate protection against financial losses caused by liability and property risks. 

Another perk of investing in tailored insurance for pet boarding business is that it helps you alleviate the worries of fur parents in case something happens. It’s because this insurance policy allows you to immediately cover veterinary expenses in case something happens to the pets. 

Good reputation is the third benefit. After all, with the appropriate insurance for pets, pet owners will see your business as trustworthy. 


Pet Boarding Liability Insurance

General liability and professional liability policies are the two types of pet boarding liability insurance. You need either or both to satisfy clients who ask for proof of insurance before leaving their pet in your custody. 


Pet Boarding General 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


Pet boarding general liability insurance covers the basic risks associated with your business activities. They include: 

  • Third-party bodily injury

  • Third-party property damage

  • Personal injury

  • Advertising injury (e.g., slander, libel, and copyright infringement)


Use the table above to see which insurance company offers the best general liability insurance for pet boarding facilities. 


In What Specific Situations Can You Use General Liability Insurance?

General liability insurance, which is also offered in pet training insurance programs, can be used in situations where third parties, such as clients or visitors, experience an accident in your pet boarding business’s premises that results in bodily injuries or property damage.

For example, a dog might escape its enclosure, run down the hallway, and then stumble upon an unsuspecting client who is about to pick up her pet. In this case, general liability insurance will cover medical treatment and legal expenses if the injured client decides to sue. 

In another occurrence, a customer purchases dog food from your facility, but the dog dies because the food was unsuitable for consumption. The customer discovers that the item was actually recalled, but your employees forgot to remove it from the shelves. The pet owner files a lawsuit. Your pet boarding liability insurance can cover the legal defense fees and any compensation to them. 


A Client Left Her Fur Baby in My Custody a Few Weeks Ago. Now, She’s Filing a Claim Because the Pet Suddenly Got Sick. Does General Liability Insurance Cover This?

Yes. The general liability policy for your pet boarding business comes with products and completed operations coverage. This will cover costs if a client you’ve had in the past decides to file a claim in the present time due to the bodily injuries or property damage caused by your business’s products and services.


What Are the Usual Policy Limits of the General Liability Insurance for Pet Boarding Businesses?

A limit is the maximum amount of money an insurance policy can provide. The general liability insurance for pet boarding businesses has a $1 million-$3 million per occurrence and aggregate limit. 


Professional Liability Insurance for Pet Boarding Businesses


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


Negligence and errors are also common reasons for clients to file a claim against your pet boarding business. You can cover these exposures by including a professional liability policy in your animal boarding insurance package. Use the table above to see which insurance company offers the best professional liability insurance.


In What Situations Can Professional Liability Insurance Help Your Pet Boarding Facility?

These are some of the situations where professional liability insurance can help your pet boarding facility:

  • A client’s cat breaks out of its confinement and gets lost

  • An employee forgot to follow the client’s reminders and fed the dog a food that it's allergic to

  • A client’s pet is being hurt by another pet, and your employee failed to rescue it 

  • Your pet boarding facility failed to take the client’s sick dog to the vet’s clinic


Animal Bailee Insurance for Pet Boarding Businesses

You're liable for the animals in your pet boarding facility. Animal bailee insurance provides comprehensive protection in case something happens to the pets in your care, custody, and control. Coverage applies when a client’s pet’s dies or gets injured because of:

  • Fire

  • Theft

  • Vandalism

  • Escape

  • Flood

  • Attack

  • Food allergy and poisoning

  • Other covered perils


What Expenses Are Covered?

Animal bailee insurance is designed to cover the following costs:

  • Vet expenses for treating the client’s pet

  • Reimbursement for the value of the client’s pet (in case of death)

  • Cost for public relations and rewards (if ever the client’s pet gets lost

  • Pet ambulance expenses


How Do You Avail Animal Bailee Insurance?

Animal bailee insurance is usually available as an automatic or optional add-on to the general liability policy of pet boarding insurance programs. This has a $5,000-$25,000 per occurrence and aggregate limit. 

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Commercial Property Insurance for Pet Boarding Businesses


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


Pet boarding facilities rely heavily on their real property to operate, which means any disaster that damages the building's structural integrity can be devastating. Commercial property insurance enables you to avoid this. Use the table above to see which insurance company offers the best commercial property insurance for pet boarding facilities.


What Exposures Are Covered by Commercial Property Insurance?

Commercial property insurance covers the damage or destruction of business property that’s caused by fire, sprinkler leakage, vandalism, theft, weather, sinkhole collapse, volcanic action, aircraft, vehicles, and other covered perils.


What Business Properties Are Covered by Commercial Property Insurance?

Commercial property insurance covers the building of your pet boarding facility. Coverage applies regardless if your physical location is owned, rented, or leased.

Contents coverage is also included. This allows commercial property insurance to cover the value of crates, leashes, pet food refrigerators, relief stations, air conditioning systems, pet food, grooming equipment, and other valuables.


Business Owner’s Policy for Pet Boarding Facilities


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


A business owner’s policy fuses the function of general liability and commercial property insurance. That said, you can use this small animal boarding insurance policy to cover claims and recover financial losses in case business property gets lost or damaged. Use the table above to see which insurance company offers the best business owner’s policy for pet boarding businesses.


How Much Coverage Can You Get From a Business Owner’s Policy?

A business owner’s policy provides a $1 million-$2 million general liability coverage and $25,000-$50,000 commercial property coverage. There are insurance companies that allow you to customize limits.


Can You Include Animal Bailee Coverage in a Business Owner’s Policy?

Animal bailee coverage can be included in a business owner’s policy depending on which insurance company you decide to work with. So far, the most common inclusions that we know of are hired/non-owned auto liability coverage and business interruption insurance.


Tools and Equipment Insurance for Pet Boarding Facilities


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 will cover repair and replacement expenses if dog crates, air conditioners, and other dog boarding equipment sustain damage or become destroyed because of fire, theft, vandalism, and other covered perils. Use the table above to see which insurance company offers the best tools and equipment for pet boarding facilities.


Additional Policies to Protect Your Pet Boarding Business

Unintentional third-party bodily injury and property damage are not the only events that can dent your pet boarding business' finances and reputation. There are so many facets of your business operation that bear their fair share of risks. Here are other types of policies you should have in your big and small pet boarding insurance:

  • Business interruption insurance-This insurance policy is designed to reimburse lost income and operating costs if you're forced to halt your business because of a covered peril. The commonly covered events include fire, relocation, renovation, and economic crisis

  • Commercial auto insurance–The chances are that you have a business vehicle used to transport pets to the vet. Insuring your commercial vehicle protects your finances if the car is involved in an accident and causes third-party bodily injuries and property damages. The insurance covers the medical expenses, as well as repairs and replacements of destroyed property

  • Workers' compensation insurance–Most states require businesses with employees to have workers' compensation insurance; this insurance policy provides medical and financial benefits to employees if they suffer work-related illnesses or injuries. It's a crucial insurance policy for pet boarding establishments because the employees are usually at higher risk of injuries, such as animal bites, scratches, and illnesses

  • Cyber liability insurance-Cyber liability insurance takes care of costs if your pet boarding facility’s website or computers gets breached and sensitive information, as well as important files, gets damaged or lost. You can use this to cover lawsuits, public relations expenses, and data breach containment services


Can I Ask My Clients to Pay for My Services Through Their Pet Insurance?

Pet boarding is a service that requires a lot of time and resources. And so, you want to make sure that your clients can adequately pay.

To answer the question, clients can pay provided that they have pet insurance that covers boarding. This is called the boarding fee or boarding coverage inclusion.

But note that pet insurance will only cover boarding fees if the parent can’t take care of his pet due to an underlying sickness and needs your help.

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Pet Boarding Insurance Cost


Cost per MonthCost per YearDeductible
General liability insurance$39$468$0-$500
Professional liability insurance$50$600$500-$1,000
Commercial property insurance$41$492$1,000-$2,000
Business owner's policy$80$960$1,500
Animal bailee insurance$110$1,320$500
Commercial auto insurance$60$720$500
Workers compensation insurance$70$840$2,500
Cyber liability insurance$42$504$1,000


The average pet boarding insurance cost is $39 per month or $468 per year for a $1 million general liability policy. This estimate is based on the following factors:

  • Business location

  • Number of employees

  • Projected annual income

  • Pre-occurrence policy limit

  • Aggregate policy limit

  • Deductible


Your choice of insurance company greatly affects the cost of premiums. That said, here’s a table showing the cost of the $1 million general liability policy from carriers we recommend you work with:


Cost per MonthCost per YearBest for
NEXT$26$312Best overall; Fastest general liability insurance for pet boarding businesses
CoverWallet$28$336Comparing pet boarding insurance quotes online
Tivly$29$348Comparing pet boarding insurance quotes over the phone
Hiscox$31$372Pet boarding insurance with automatic renewal
Thimble$35$420On-demand insurance for pet boarding businesses
Travelers$37$444Risk management resources
Pet Care$41.25$495.00Animal bailee insurance for pet boarding businesses

Compare Cheap Pet Boarding Insurance Quotes Online

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Best Pet Boarding Insurance Companies

Many insurance companies provide products and services to the pet industry. What you need is a carrier that understands the industry and its risks and can offer custom-tailored insurance to meet your unique business needs. If you're looking for comprehensive coverage, here are the best pet boarding insurance companies to consider. Read to know their pros, cons, and cost of a $1 million general liability policy. 


Next Pet Boarding Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for pet boarding facilities 

  • 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 

Compared to other renowned insurance companies, NEXT is a relative newcomer in the industry, having been established in 2016. It's a technology-first insurance carrier that sells its products online, making it the best insurer for small pet boarders who want to manage their insurance policies online. 

NEXT provides basic insurance for pet boarding business in three plans, allowing customers to choose the package that best suits their coverage needs. Each plan combines general liability, workers' compensation, and commercial property coverage (with a standard per-occurrence limit of $25,000). The only difference is the general liability coverage limit and workers' comp' per accident limit. 

  • Basic plan–General liability per-occurrence limit: $500,000; workers' comp per-accident limit: $100,000

  • Premiere plan–General liability per-occurrence limit: $1 million; workers' comp per-accident limit: $500,000

  • Deluxe plan–General liability per-occurrence limit: $500,000; workers' comp per-accident limit $1 million


While other online insurance companies are financially backed by their parent companies, Next is independently rated for financial strength by A.M Best–one of the top insurance rating agencies. That means it handles and pays out claims on its own. 

Best for: Best overall; Fastest general liability insurance for pet boarding businesses 

Average cost: $26 per month 

Our rating: 10/10


CoverWallet Pet Boarding Insurance

Pros

  • Compare quotes and purchase insurance online

  • Easy online policy management

  • Cancel a coverage anytime

  • General liability insurance comes with a waiver of subrogation

Cons

  • Not an insurance company but an insurance broker

CoverWallet isn’t an insurance company but an insurance broker. Nonetheless, it sells its own tailored coverage by curating the quotes of its partners. 

You can avail the needed policies through CoverWallet’s pet care service insurance program. These features the following:

  • $1 million-$2 million general liability insurance

  • $1 million professional liability insurance

  • $50,000 commercial property insurance

  • Business owner’s policy

  • Workers compensation insurance


If you talk with a representative while purchasing coverage online, it’s possible to endorse animal bailee coverage to your general liability policy. 

Best for: Comparing pet boarding insurance quotes online

Average cost: $28 per month

Our rating: 10/10


Tivly Pet Boarding Insurance

Pros

  • Responsive customer service

  • Compare quotes over the phone

  • Curates the limits of its policies based on your needs

  • A partner of many reputable insurance companies 

Cons

  • You need to call to get a quote 

Tivly’s pet boarding insurance offers a general liability policy, animal bailee coverage, professional liability, and more. Call and talk with a representative to compare quotes over the phone.

Best for: Comparing pet boarding insurance quotes over the phone

Average cost: $29 per month

Our rating: 10/10


Thimble Pet Boarding Insurance

Pros

  • Sells a short-term general liability insurance

  • A partner of Tivly

  • Allows for convenience

  • Quickly issues an estimate of your rates

Cons

  • Only covers up to $500,000 worth of commercial property

Thimble covers your pet boarding business through its pet services insurance package which consists of a business owner’s policy, workers' compensation insurance, and general liability insurance. 

Thimble’s general liability insurance has a $1 million-$2 million per occurrence and aggregate limit. You can add a $1 million-$2 million professional liability insurance to this. 

The business owner’s policy, on the other hand, offers a $1 million-$2 million general liability coverage and $25,000-$500,000 commercial property coverage. 

Thimble, by the way, also sells a short-term general liability coverage that lasts for hours, days, weeks, or months. You can use this as an emergency policy if ever your existing insurance policy has expired. 

Best for: On-demand insurance for pet boarding businesses

Average cost: $35 per month

Our rating: 9/10


Hiscox Pet Boarding Insurance

Pros

  • Automatic policy renewal

  • Worldwide coverage

  • Fast to handle claims

  • Consistently good AM-Best ratings

Cons

  • Earns a lot of negative feedbacks from BBB

Hiscox covers pet boarding facilities through its insurance program for pet hotels, motels, and daycare businesses. What you can avail are business owner’s policy and cyber liability insurance. 

The business owner’s policy offers a $300,000 general liability insurance and $25,000 commercial property insurance. These limits can be customized. Hiscox’s cyber liability insurance has a $250,000 per occurrence and aggregate limit.

Best for: Pet boarding insurance with automatic renewal

Average cost: $31 per month

Our rating: 9/10 


Pet Care Dog Boarding Insurance

Pros

  • Specializes in the needs of pet professionals and businesses

  • Online quotes

  • Comprehensive business equipment coverage

Cons

  • You might be referred to a partner

Pet Care covers pet boarding business through its dog boarding insurance program. This consists of general liability insurance, professional liability insurance, animal bailee insurance, and veterinary medical expenses insurance. Note that you’re only eligible if you board less than 6 pets. In case your operations are more expansive, Pet Care Insurance will refer you to its partner, CNA. 

Best for: Animal bailee insurance for pet boarding businesses

Average cost: $41.25 per month 

Our rating: 9/10


Travelers Pet Boarding Insurance

Pros

  • Provides an online portal for easy workers-comp claim monitoring

  • Large selection of risk management resources

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

Cons

  • Online quotes are not available

Travelers is one of the longest-standing insurance companies. It was established in 1863 and has since expanded its insurance products and services to pet boarding businesses. 

The New York City-based insurance carrier offers a range of business insurance policies, including pet boarding liability coverage, commercial property, commercial auto coverage, cyber liability, workers' compensation, and professional liability insurance. 

The company also provides a business owner's policy (BOP). With Travelers, you can choose to introduce optional policies to your BOP coverage. You can add the following types of policies:

  • Business income and extra expenses

  • Employee dishonesty coverage

  • Coverage for medication spoilage


Apart from pet boarding insurance, Travelers has an extensive library of risk management tools and resources. You can access the company's risk control portal to access articles and training programs geared toward risk mitigation. 

Travelers' animal boarding insurance is available in all 50 states including Puerto Rico and Washington, D.C. The only limitation is that the company doesn't provide online quotes. 

Best for: Risk management resources

Average cost: $37 per month 

Our rating: 8/10


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