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When you run a pet shop; animals can get sick or cause an accident. Also, there are rules and regulations that you might unintentionally violate too. This is where pet shop insurance comes into play, protecting your business and the animals under your care.
This guide will cover everything that business owners should know about pet store insurance, including cheap pet shop insurance quotes, the cost, and the best pet shop insurance companies.
Pet stores expose customers to a lot of dangers. For this reason, laws and regulations are in place to mitigate the risks customers might face.
despite taking a lot of measures to mitigate the possibility of injuries to customers, pet shops can’t fully prevent accidents from happening. And this is why there must be general liability insurance ready and waiting to take care of personal injury claims that require a lot of money to settle at court.
Here’s a table showing the average cost of slip and fall settlement based on the type of injury the plaintiff sustained:
| Type of Injury | Cost |
| Shoulder Fracture | $345,678 |
| Back Injury | $476,212 |
| Head Injury | $92,932 |
| Hip Injury | $432,676 |
| Leg Injury | $252,334 |
The possibility of a customer contracting a disease from the animals in a pet shop is something that many online sources rarely talk about.
Dogs, cats, and exotic pets all carry some diseases that are more or less harmful to human beings.
It’s very easy for customers to file a claim and ask for a settlement no matter how trivial their injuries might be. And so, general liability insurance can be a very trusty armor against the financial breakdown personal injury claims might bring.
Employee injuries are also common in pet shops. That’s why owners or managers should opt to get workers’ comp insurance. Common injuries employees in pet shops might experience are:
Another great pet shop business insurance is a BOP or business owner’s policy. This kind of policy isn’t just a single form of coverage like a general or public liability policy. Rather, it’s a combination of different types of coverage.
A BOP combines different types of insurance depending on which carrier you purchase it from, but most offer two components. The first of these is a liability policy.
This can be either public liability or general liability depending on the cost of the business owner policy. This is then coupled with a commercial property insurance policy that exists to cover any damage to the building or some of the items within it.
The average cost of pet shop insurance based on the numbers we’ve gathered from these three carriers is about $42.79 per month or $513.58 per year for $1 million liability coverage..
The size of your pet shop will have just as large of an impact on your eventual insurance premiums.
| Company | Cost per month | Cost per year |
| smei | $14.93 | $179.16 |
| AmTrust | $39 | $468 |
| Petplan | $47.5 | $570 |
Get all the best quotes from leading providers in a click of a button!
Based in England, smei is a company that has focused on providing several forms of insurance to its clients over the course of its relatively short existence.
They offer a huge variety of coverage options to pet shop owners, and their standard coverages include contents, business interruption, public and products liability, and more. They also have add-ons like legal expenses, subsidence, terrorism, buildings cover, and goods in transit.
Average cost : $14.93
Our rating : 4/5
AmTrust is a financial services company that is based in New York and was founded in the 1990s. The company typically works with smaller businesses. They specialize in workers’ comp specifically, the company still offers a myriad of other insurance products.
Their BOPs are a little more in-depth, however, featuring a business interruption component in addition to liability and commercial property coverage. If you’re looking for cheap pet shop insurance quotes, AmTrust is one of the more affordable options.
Average cost: $39
Our rating: 5/5
Petplan offers coverage for pet stores under its Petplan Professional policy. The company’s business insurance features several components, many of which are optional, including property coverage, business interruption insurance, glass coverage, and broadform liability insurance.
Average cost : $47.5
Our rating : 4/5
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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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.
