The animals in your care are property in your care.
Business insurance for veterinary clinics, groomers, boarding kennels, daycares and trainers. We close the care, custody and control gap that leaves the animals uncovered. Not pet health plans.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What pet services and veterinary businesses actually need.
General liability
Third-party bodily injury and property damage — the line nearly every contract names by default.
Without it — Bites, scratches and premises injuries to clients — and the exclusion that removes the animals themselves.
Professional liability
Covers the advice, the drawing, the diagnosis — the work itself, rather than someone getting hurt on your premises.
Without it — Veterinary and grooming work is judged as professional service, which a standard business policy does not cover.
Commercial property
Buildings and contents, valued at what it costs to rebuild today rather than what you paid.
Without it — Kennels, surgical and grooming equipment replace at today’s prices, and a boarding facility runs overnight without staff on site.
Workers compensation
Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.
Without it — Handling injuries are the highest-frequency loss in the class, and bites to staff are routine rather than exceptional.
Commercial auto
Vehicles the business owns and the people who drive them for work.
Without it — Mobile grooming and transport put the animals and the vehicle on the road together.
Business owners policy
General liability and property packaged together. Cheaper than buying them separately when you qualify, and most small businesses do.
Without it — Property and liability package more cheaply than they buy separately.
What pet services and veterinary operators ask us.
Do you sell pet insurance?
Not the kind most people mean. Pet insurance usually means a health plan that reimburses an owner for their own animal’s vet bills, and we do not write that — try Trupanion, Healthy Paws or Nationwide. What we insure is the business on the other side of the counter: the clinic, the groomer, the boarding kennel, the daycare, the trainer. If you own or run one of those, this is the right page. If you are looking for cover for your own dog or cat, it is not, and we would rather say so than take your details.
What is the care, custody and control exclusion?
It is the clause that removes cover for property you are looking after rather than property you own — and to an insurer, the animals are the property. It is why general liability will pay a client who trips in your reception and will not pay for the dog injured in your kennel. Closing that gap is a deliberate endorsement, not something a standard policy includes.
Do groomers need professional liability, or is general liability enough?
Both, for different claims. General liability answers when a client is hurt; professional liability answers when the work itself causes harm — a clipper injury, a reaction to a product, a handling decision that went wrong. Those are the claims groomers actually see, and general liability was never meant to cover them.
We board animals overnight with nobody on site. Is that a problem?
It is an underwriting question rather than a decline, and worth answering carefully. Fire, escape and overnight medical emergencies are what carriers price, so monitoring, alarms, staffing rotas and your emergency vet arrangement all move the number. Have those documented before you shop.