Pet & Dog Trainer Insurance: Cost & Quotes From $11/mo

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Isn’t it satisfying to see a pet owner smiling and cheering their dog because it has finally completed its training course? However, not all training sessions will go as planned and anything can happen. 

A dog may get injured, requiring an emergency visit to a licensed veterinarian in your primary care facility. A dog can run away from you and pass by someone, causing them to fall and dislocate a wrist. If not an injury, then the person’s expensive watch might have its pricey bezel cracked.  It’s better to be safe than sorry. You need pet and dog trainer insurance to protect your business from financial losses when the unexpected occurs. Read this guide to know the cost of premiums, the policies included, and the best companies.

What is Pet and Dog Trainer Insurance?

Pet and dog trainer insurance is a tailored insurance package that’s made up of insurance policies that allow you to cover the medical treatment of a client’s dog, pay for its search, and even cover ongoing veterinary expenses. Insurance programs related to this are pet boarding and pet sitting insurance

Note that since pet training isn’t only limited to dogs but also other animals such as cats, it automatically provides cat trainer insurance coverage for feline behaviorists. 

I Train Security Dogs. Am I Still Eligible for Pet and Dog Training Insurance?

You’re eligible since the training activities involving household dogs and guard dogs are closely the same. But note that there might be coverage gaps. And so, what you want to do is to get a tailored protection dog training insurance that offers professional liability insurance, general liability insurance, commercial property insurance, and animal bailee insurance with higher limits. 

Does Pet and Dog Training Insurance Cover Dog Walking Exposures?

Dog training is different from dog walking. Dog walking is more about taking your client’s dog to different places. Compared to dog training, there’s a higher chance of the dog getting lost. And so, pet and dog training insurance might exclude dog walking activities. You can solve this problem by investing in dog walking insurance

Who Needs Pet and Dog Trainer Insurance?

Pet and dog trainer insurance is recommended for any professional who handles and works with animals on a regular basis, teaching them good etiquette. That includes:

  • Personal pet trainers

  • Pet trainers hired by pet schools and boarding facilities

  • Pet training schools 

  • Online pet trainers 

Benefits of Pet Training Business Insurance

Protection from unexpected costs and liability are only two reasons why pet trainers invest in insurance for their businesses. By purchasing insurance, you actually do yourself and your business more good. Here are other benefits of buying dog trainer business coverage:

  • Professional credibility–Having training insurance demonstrates to pet owners that you’re an expert trainer who takes his business seriously, and you’re willing to meet the cost of protecting your business, your clients, their pets, and their property

  • Compliance–Some states and municipalities require pet trainers to have insurance as one of the requirements for doing business in their jurisdictions 

  • Peace of mind–Having insurance also provides peace of mind, alleviating the worry and anxiety of operating without knowing how you’ll cover financial losses in case of an accident

  • Getting big clients-Kennels and dog boarding facilities have their own dog boarding insurance. However, they’ll require you to get your own coverage as an additional layer of protection

Dog Trainer Liability Insurance 

Pet and dog trainer liability insurance can be classified as a general liability policy, professional liability policy, and public liability policy. Let’s first discuss how these work. 

Pet and Dog Training General Liability Insurance

CoverWallet  NEXT (Best) Thimble  Hiscox Pet Care 
Per occurrence limit  $1,000,000 $1,000,000/$2,000,000 $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
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $100,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included No
Equipment breakdown floater included? No  Yes Yes Can be included Yes
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0

A general liability policy is the first liability insurance that every pet and dog trainer must not skip. It’s your first line of defense from the general and common risks your business faces.

This type of dog training insurance protects you from the financial costs due to third-party bodily injuries and property damages that you’re legally responsible for. Use the table above to see which insurance company offers the best general liability policy. 

When Can You Use General Liability Insurance?

You can approach the insurance company and file a request to use a general liability policy to cover costs if:

  • A client’s dog escapes and attacks someone 

  • The client slips and falls while visiting your office

  • The dog gets hurt during the training and the client demands compensation 

  • The client’s dog runs away, attacks a car parked nearby, and leaves ugly marks

What Costs Does a Pet Trainer’s General Liability Insurance Cover?

General liability insurance for pet and dog trainers can take care of the following costs if a third party files a claim for bodily injuries or property damage:

  • Medical treatment

  • Reimbursement for the damaged property

  • Legal defense

  • Court judgments

The Client’s Pet Suddenly Died During the Training Session. Is This Covered by My General Liability Insurance?

Yes. This is covered due to two reasons.  The first is that it can be treated as property damage if ever the client decides to sue for the death of their pet. Secondly, there’s the products and completed operations coverage of general liability insurance, which takes care of costs if your services caused property damage or bodily injuries.


Public Liability Insurance for Dog Trainers

Public liability insurance works the same way as general liability insurance. It grants coverage against claims for bodily injuries and property damage that third parties file. Look for a public liability insurance policy if you become ineligible for a general liability policy. 

Pet and Dog Training 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? Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Yes
License defense coverage included? No No No No
Deductible  $500 $500 $500 $500

Clients expect your experience and expertise to bring the best out of their pets. At the same time, they also expect you to employ a high level of care while their pets are in your custody for a training session. 

The failure to perform what clients hope from you can be a ground for a lawsuit. Granting protection against this is professional liability insurance. Use the table above to see which insurance company offers this type of dog training business insurance best. 

How Does Professional Liability Insurance Help You as a Pet and Dog Trainer?

Professional liability insurance will cover the cost of legal defense, settlements, and court judgments if a client accuses you of committing malpractice or negligence while training their pet. Here are some situations where professional liability insurance can help:

  • Your training methods proved to be too much and accidentally injured a client’s pet

  • You lost a client’s pet during a training session

  • A client accused you of falsifying your experience and license as a dog trainer

  • You failed to successfully calm down a client’s pet. It attacked other pets and caused injuries 

My Client is Suing for Invasion of Privacy After I Posted a Video of Me and Her Pet in Youtube. Will This Be Covered by Professional Liability Insurance?

Invasion of privacy is considered malpractice. However, this isn’t normally covered under the policy wording of professional liability insurance. But note that, you can use general liability insurance instead because invasion of privacy is a covered peril under its advertising injury coverage add-on.

Does Professional Liability Insurance Cover the Mistakes or Negligence of People Working with Me?

Yes. Provided that the people you’re working with are considered part-time or full-time employees. However, if they’re just occasional help, then coverage won’t apply. 

I Work as an Independent Trainer Frequently Hired by a Pet Boarding Facility. Does Their Professional Liability Insurance Cover Me?

The professional liability policy of their pet boarding insurance might not cover you since you’re not considered as an employee. Nonetheless, coverage can apply if you ask the pet boarding facility to name you as an additional insured. In return, you must name them as additional insureds in your professional liability insurance too. 

What is a Limited Dog Training Professional Liability Endorsement?

A limited dog training professional liability endorsement grants protection against alleged claims of not training the dog well. This grants a $10,000-$25,000 coverage separate from the base limits of your professional liability policy.

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Commercial Property Insurance for Pet and Dog Trainers

CoverWallet NEXT (Best) Thimble Hiscox
Building coverage limit (minimum) $50,000 $220,000 $25,000/$500,000 $25,000
Contents coverage limit (minimum) $50,000 $15,000 $25,000/$500,000 $15,000
Outdoor signs Excluded $2,500 Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Included
Money and securities Excluded $2,500 $1,000 Included
Lock and keys  Excluded $2,500 Excluded Included
Business interruption floater Excluded Included Included Included
Equipment breakdown floater Excluded Included Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded

Commercial property insurance is useful if you use a commercial space (e.g. a condo, a dedicated building, a small office space) as a pet and dog training facility. With this insurance, you can recover lost investments if damage or destruction happens. Use the table above to see which insurance company offers the best commercial property insurance for pet and dog trainers. 

How Does Commercial Property Insurance Help Pet Trainers Like You?

Commercial property insurance will recover the actual cash value or replacement cost of your pet and dog training facility in case it’s damaged or destroyed by:

  • Fire

  • Theft

  • Vandalism

  • Civil commotion

  • Riot

  • Sinkhole collapse

  • Volcanic action

  • Lightning

  • Weather

  • Aircraft

  • Falling objects

  • Vehicle impact

  • Sprinkler leakage

I Train Pets at My Client’s House and Sometimes in My Home or at the Pet Boarding Facility I Occasionally Work For. Do I Still Need Commercial Property Insurance?

Yes. Commercial property insurance is still useful in this case. Insuring a building you use is just the first function of this policy. You can also utilize commercial property insurance to cover leashes, harnesses, headcollars, trainer pads, muzzles, wooden stairs, and other pet and dog training equipment. 

On a further note, you can also use commercial property insurance to insure your house, provided that you’re using it as a pet and dog training facility.

Business Owner’s Policy for Pet and Dog Trainers

CoverWallet NEXT (Best) Hiscox Thimble 
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $220,000 $25,000 $25,000/$500,000
Optional policies can be added? Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes


As a small business owner, you can save money on pet trainer insurance by purchasing a business owner’s policy (BOP) – a prepackaged policy that includes the policies that matter to you the most. 

Because several coverages are bundled up in a single policy, there’s only one policy to review, and it comes at a lower cost than purchasing each coverage separately. The core insurance policies in a standard BOP are:

  • General liability insurance

  • Commercial property insurance

It’s crucial to note that a BOP doesn’t cover all the risks associated with running a pet training business. Therefore, you can tailor the policy to meet your unique business needs. Some  pet trainer insurance options you can have in your BOP as add-ons include:

  • Professional liability insurance 

  • Commercial auto coverage

  • Employment practices liability insurance

  • Workers’ compensation

  • Cyber liability insurance

Tools and Equipment Insurance for Pet and Dog Trainers

NEXT (Best) Thimble Pet Care  Hiscox
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 $50,000 No
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0

Tools and equipment insurance solely covers the muzzles, leash, crates, training pads, clickers, and other dog training equipment. 

You can use this to cover repair or replacement expenses in case damage or loss occurs due to fire, theft, vandalism, mysterious disappearance, and other covered perils. Coverage applies regardless if these exposures happened within your business premises or at another location.

Use the table above to see which insurance company offers the best tools and equipment insurance for dog trainers. 

Commercial Auto Insurance for Pet and Dog Trainers 

This policy is recommended if you have a business vehicle or use your personal car for commercial purposes. Remember, your personal auto liability insurance doesn’t cover your vehicle when used for a business operation. If you’re involved in a collision, your business may be held liable for third-party injuries and property damages. With commercial auto insurance, you can cover the medical costs, as well as repairs and replacement expenses of the damaged property. 

Workers’ Compensation Insurance for Pet and Dog Trainers

When a new pet is brought to your pet training facility, its behavior can be unpredictable because they are in a new environment. They may bite, scratch, or injure one of your employees. Workers’ compensation covers the medical costs, medications, and the employee’s lost wages. 

Employment Practices Liability Insurance for Pet and Dog Trainers 

Employment practices liability insurance will help cover expenses if a full-time or part-time employee files a claim and accuse you of sexual harassment, exploitation, discrimination, wrongful termination and other violations. You can get this as a stand-alone policy or as an endorsement to an existing insurance. 

Cyber Liability Insurance for Pet and Dog Trainers 

Pet and dog trainers nowadays all have a personal website where clients can book schedules and pay for the services received. Hackers can use your site to access sensitive information. And so, it’s important to have cyber liability insurance that will take care of the cost for:

  • Data breach containment

  • Legal defense if affected parties decide to sue

  • Credit and fraud monitoring

  • Public relations

Other Insurance Policies You’ll Need

Other risks lurk around your business operations, and it’s crucial to have the right coverage to better protect your pet and dog training business. These policies include:

  • Animal bailee coverage–Pet owners leave their dogs in your custody and they entrust you to care for and have control over them. This insurance protects your business if you’re held legally responsible for the injuries, damages, and even the death of a customer’s pet

  • Business interruption insurance–Also referred to as business income and extra expenses insurance, this policy reimburses you for lost income and business if you can’t continue operating because of fire damage, theft, or damages due to bad weather

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Dog Trainer Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $30 $360 $0-$500
Professional liability insurance $50 $600 $500-$1,000
Commercial property insurance $60 $720 $1,000-$2,000
Business owner’s policy $80 $960 $1,500
Animal bailee insurance $40 $480 $500
Commercial auto insurance $45 $540 $500
Workers compensation insurance $90 $1,080 $2,500
Cyber liability insurance $70 $840 $1,000

The average dog training insurance cost is $30 per month or $360 per year for a $1 million general liability insurance. Some factors that insurance companies use to decide the cost of premiums are:

  • Business size

  • Business location

  • Number of employees

  • Your claims history

  • Deductible

  • Policy limits

Premiums will be also determined by your choice of insurance company. And to ensure that you don’t end up with pricey carriers, here’s a table that shows the cost of a $1 million general liability policy from companies that offer the best insurance for dog trainers:

Cost per Month Cost per Year Best for
NEXT $21 $252 Best overall; Fastest general liability insurance for dog trainers
Thimble $22 $262 On-demand coverage for pet trainers
CoverWallet $24 $288 Comparing insurance quotes for dog trainers online
Tivly $25 $300 Comparing dog training insurance quotes over the phone
Hiscox $29 $348 Pet training insurance with automatic policy renewal
Pet Care $35 $420 Dog trainers wanting to work with an insurance company that’s exclusive to pet service professionals
BIC $37 $444 Pet trainers in North Carolina and South Carolina
APDT APDT doesn’t state how much is the insurance for its members APDT doesn’t state how much is the insurance for its members Membership-based coverage

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Best Dog Trainer Insurance Companies

Since your pet training business faces unique risks, it would be best to partner with insurance providers that offer business-specific policies. The following are the best dog trainer insurance companies. Read to know their pros, cons, and rate of a $1 million general liability insurance. 

NEXT Dog Trainer Insurance


  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for dog trainers

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

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


  • Couldn’t find any

NEXT specializes in insuring small businesses and independent professionals. What makes this company good is that it allows you to get covered online as soon as possible. 

You purchase this company’s pet and dog trainer insurance as a pre-made coverage that’s available as a basic, deluxe, or premiere plan. Here’s a quick summary of how each differ:

  • The basic pet and dog trainer insurance plan only offers a $1 million general liability insurance

  • The premiere plan allows you to enjoy a $2 million general liability insurance, $1 million professional liability insurance, and $220,000 commercial property insurance

  • Deluxe grants the most extensive protection. You get a $2 million general liability insurance, $1 million professional liability insurance, $10,000 utility services interruption insurance, equipment breakdown insurance, and workers compensation insurance from this 

Best for: Best overall; Fastest general liability insurance for dog trainers

Average cost: $21 per month

Our rating: 10/10

CoverWallet Dog Trainer Insurance


  • Compare quotes online

  • You can quickly seek the help of representatives

  • Cancel your policy anytime

  • Easy online policy management


  • Not an insurance company but an insurance broker 

CoverWallet covers dog trainers through its pet services insurance program. Note that your insurance package is made out of policies that come from CoverWallet’s partners. This is because this company is an insurance broker and not a carrier. 

Getting back to the topic, here’s quick summary of the policies included in CoverWallet’s insurance package for dog trainers:

  • $1 million-$2 million general liability insurance

  • $1 million professional liability insurance

  • Workers compensation insurance

  • Business owner’s policy

Note that if you proceed to talk to a representative before purchasing a coverage online, it’s possible to further avail commercial auto, business interruption, cyber liability, and employment practices liability insurance. 

Best for: Comparing insurance quotes for dog trainers online 

Average cost: $24 per month

Our rating: 10/10

Tivly Dog Trainer Insurance


  • Responsive customer service

  • Compare quotes over the phone

  • A partner of many insurance companies


  • You need to call to get a quote 

Tivly (formerly CommercialInsurance.NET) is a partner of many insurance companies. That said, it can hook you up with an insurance company that grants tailored coverage. Call a Tivly representative to find and compare quotes over the phone. 

Best for: Comparing dog training insurance quotes over the phone

Average cost: $25 per month

Our rating: 10/10

Thimble Pet Trainer Insurance


  • Sells a short-term coverage for pet trainers

  • On-demand coverage

  • Quickly issues a quote and the estimate of your premiums

  • Add-ons are reasonably priced


  • Doesn’t sell workers compensation insurance to pet trainers 

Thimble’s pet trainer insurance is available as a business owner’s policy or as a stand-alone general liability policy. 

We recommend going for a business owner’s policy because this offers optional add-ons such as tools and equipment insurance, professional liability insurance, cyber liability insurance, and hired/non-owned auto liability insurance. 

The general liability policy is also a great option because it’s available as a short-term coverage or long-term coverage. If you purchase Thimble’s general liability policy as a long-term coverage, you can further avail professional liability insurance, business equipment insurance, and cyber liability insurance. 

Best for: On-demand coverage for pet trainers

Average cost: $22 per month

Our rating: 9/10

Hiscox Pet Trainer Insurance


  • Worldwide coverage

  • Automatic policy renewal

  • 5% discount

  • Customizable limits 


  • Doesn’t sell a stand-alone commercial property and general liability insurance for pet trainers 

Hiscox’s pet training insurance offers a business owner’s policy and cyber liability insurance. In case you want workers compensation insurance, professional liability insurance, and commercial auto insurance, Hiscox can hook you up with its partner-CyberPolicy. 

Note that your coverage renews with Hiscox year after year. This means that you don’t risk yourself suddenly getting uninsured. Moreover, your liability coverage provides protection when you’re working in specific countries abroad. 

Best for: Pet training insurance with automatic policy renewal

Average cost: $29 per month

Our rating: 9/10

Pet Care Dog Trainer Insurance


  • Only caters to the needs of dog trainers and related professionals

  • Offers a vet expense coverage

  • Online quotes


  • Additional costs will be charged for those who train dogs beyond the basic behavioral commands 

Pet care is an insurance company that only works with pet service businesses and professionals. For pet trainers, this company offers $2 million general liability insurance, $1 million professional liability insurance, vet care expense insurance, animal bailee insurance, and equipment insurance. 

Best for: Dog trainers wanting to work with an insurance company that’s exclusive to pet service professionals

Average cost: $35 per month

Our rating: 9/10

Business Insurers of the Carolinas Dog Trainer


  • Insurer positioned to provide coverage options for pet trainers

  • Highly resourceful website

  • Online quotes and claims reporting are available


  • Insurance may not include policies for all states

  • Other trainers may simply prefer nationally renowned insurers

Business Insurers of the Carolinas (BIC) has provided business insurance for dog trainers since 2001. Over the years, the company has worked directly with pet care associations and their members, so it understands the risks in the industry, the type of claims that occur, and the best policies to cover them. 

A Trusted Choice Independent Insurance Agency, BIC specializes in helping pet trainers find proper business coverage from top insurance companies. It boasts the broadest liability coverage available in the market, as well as other optional endorsements. Customers can purchase a range of policies, including:

  • General liability insurance

  • Care, custody, and control endorsement

  • Workers’ compensation insurance

  • Commercial auto coverage

  • Commercial property insurance

  • Employment practices liability

  • Bonds

The company’s website is highly detailed and provides customers with the opportunity to do virtually anything, from obtaining online insurance quotes and filing insurance claims to gathering in-depth insights into pet trainer insurance and how to mitigate risks. The only downside is that the company doesn’t offer policies in other states. 

Best for: Pet trainers in North Carolina and South Carolina

Average cost: $37 per month 

Our rating: 8/10

APDT Dog Trainer Insurance 


  • APDT membership provides cost-saving opportunities for insurance

  • Provides continuing education to pet trainers 

  • Sets industry insurance standards


  • Affordable insurance only available to APDT members

  • Courses may lack other training costs

The Association of Professional Dog Trainers (APDT) was founded in 1993 by a renowned veterinarian, dog trainer, and animal behaviorist. As its name suggests, APDT is an inclusive forum for pet trainers to network and share ideas and provide educational and growth opportunities for dog trainers. The association also sets industry standards when it comes to pet trainer insurance. 

For example, care, custody, and  control is a must-have policy under the APDT insurance policy. The limit you choose determines the level of coverage you have for clients’ property and their pets. 

With APDT membership, pet trainers have bargaining power when it comes to insurance purchases. Typically, insurance providers provide liability policies as a group policy for active APDT members, with a $1 million per-occurrence limit and a $2 million aggregate limit. These are the standard limits, and there are no lower limits because the policy encompasses several members. 

Combining APDT membership and your pet trainer business insurance can elevate your business. One of the greatest benefits of joining the association is that they offer members continuing education and training courses to help them grow. The only caveat is that some types of training are excluded from APDT’s Liability policy: Attack or fighting, protection and guard, and police work. 

Many customers are constantly looking for a knowledgeable trainer who can deliver results, and APDT membership can be a huge bonus for them. Implementing APDT policies indicates that you’ve taken the extra step to distinguish yourself from non-registered competitors. When they compare pet training services, your business vaunts extra credentials that will win them over.

Best for: Membership-based coverage

Average cost: APDT doesn’t state how much is the insurance for its members

Our rating: 8/10

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