Commercial Pet Insurance
Almont, Clinton Twp

Who Needs Commercial Pet Coverage?

Pet business insurance is a package of coverages designed specifically for professionals and businesses that care for or serve animals. We can help you protect what you’ve built—from claims, injuries, property damage, and more.

You take care of pets in all kinds of ways, and each role comes with unique responsibilities. That’s why we tailor coverage to match the real-world risks of your day-to-day work. We offer coverage to every piece of the pet industry.

• Veterinarians – including malpractice, property, and general liability
• Groomers, Trainers, Boarding and Daycare Facilities – including professional liability and mobile coverage
• Pet Sitters & Dog Walkers – affordable GL coverage for independent operators
• Pet Stores – including property, inventory, customer injury, and liability risks

Why work with us?

Because we understand the risks pet professionals face—even the ones you hope never happen.

From unexpected bites to client complaints and property damage, pet businesses carry real responsibility. Based on what our carrier partners offer and the types of risks these businesses often face, we’ve outlined a few common scenarios where the right coverage can make all the difference.

1. Someone Was Bitten
   A dog lashes out during a training session, or a kennel tech gets bit while feeding.
   You’re suddenly facing medical bills, time off work, or even legal questions. We can help cover employee injuries, customer claims, and the unexpected chaos that follows.
2. A Client Files a Claim
   A customer accuses you of injuring their pet during grooming, mishandling a dog at daycare, or giving bad advice during training.
   Even if you’ve done everything right, legal defense and reputation repair can get expensive. This is where the right protection really matters.
3. Something Broke, Flooded, or Was Stolen
   Maybe your grooming space floods. Maybe your van gets sideswiped. Maybe someone walks off with your expensive tools.
   Property damage and equipment loss can shut your business down—unless you’ve got coverage that helps you recover fast.
4. Someone Takes Legal Action
   An employee gets hurt on the job. Someone claims they were let go unfairly.
   Whether it’s a workers’ comp claim or a legal dispute, the right insurance can help protect both your team and your business from the financial fallout.

Frequently Asked Questions

• What types of insurance do pet businesses usually need?

  It depends on the type of work you do—but most pet professionals benefit from a combination of coverage that protects against accidents, injuries, lawsuits, and property loss. Common types of protection include:

  • Liability insurance(if a pet bites someone, or a client claims you caused harm)

  • Property insurance(for floods, fires, or stolen equipment)

  • Professional coverage(for claims related to grooming, training, or advice)

  • Coverage for your employees(if someone gets hurt or takes legal action)

  • Auto protection(if you use a van or vehicle for mobile services)

  If you’re not sure what applies to your business, we’ll help you figure that out.

• Do I need insurance if I’m just a solo pet sitter or dog walker?

  Yes, especially if you’re entering clients’ homes, handling their pets, or transporting animals. Even small operations face liability risk, and many platforms (like Rover) require proof of insurance before accepting sitters.

• What’s the difference between general liability and professional liability?

  Think of general liability as protection for physical accidents (like a dog knocking over a display or biting someone).

  Professional liabilitycovers the services you provide (like grooming, training, or pet sitting) and protects you if someone claims you did something wrong.

• What if I rent my space or use a mobile van?

  We can cover that too. Whether you’re leasing a grooming suite, working out of your home, or driving a mobile setup, there are flexible options to protect your equipment, vehicles, and the spaces you use.