Pet Shop Insurance

Customized insurance for pet shop owners

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Pet shop insurance made easy

Caring for animals is at the heart of your pet store, and that commitment shapes everything you do. You're building a space that's safe, welcoming, and dependable for pets and the people who love them. Protecting that environment is an important part of keeping your business running smoothly.

Progressive Commercial offers customized pet store insurance coverage that fits your specific business needs. Talk to one of our expert agents or start a quote to learn how we can help support your work.

What is pet shop insurance?

Pet shop insurance is a customized business insurance policy that protects your store from the everyday mishaps that can happen when you're open to the public. This coverage can help you manage risks like employee or customer injuries, property damage, and issues caused by the products you sell.

Why pet shop business insurance is important

From customer slip and falls to animal-related injuries or sudden closures, pet shop insurance helps you handle the unexpected. Securing the right protection can keep your business running smoothly and shield you from costly legal claims.

Who needs pet shop insurance?

If you run a pet-related business, you should consider carrying pet store insurance. This applies to professions such as:

Pet store owners
Pet groomers
Online pet supply retailers
Exotic pet retailers
Pet trainers
Dog walkers
Pet sitters
Pet boarders

No matter the size or structure of your pet store business, insurance can be beneficial. Progressive Commercial offers coverage options for sole proprietorships, startups, and LLCs.

Does your pet shop need a certificate of insurance (COI)?

If you rent space for your pet shop, your landlord might ask for a COI to show you have liability insurance. This document proves you're covered if someone is hurt or their property is damaged at your store. It can also protect your rented premises from certain events.

If you hire independent trainers, groomers, or other contractors, it's a good idea to ask for their COI to make sure they're properly covered. This confirms they have their own insurance so you're not responsible for incidents that happen while they're providing services.

Getting a certificate of insurance is quick and easy when you have a policy with Progressive Commercial. For some policies, you can even get your COI online.

Types of insurance for pet shops

Pet shop owners should consider a variety of insurance coverages to keep their business protected. The right mix can help address common risks and everyday challenges.

General liability (GL)

Covers third-party injuries and property damage

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General liability insurance protects against a variety of third-party issues, such as property damage, bodily injury, and personal and advertising injury. It can help pay for claim costs and legal fees, making GL especially important for public-facing work.

Example: A dog in your grooming area bites a customer. General liability could help cover their medical bills and your legal defense costs if there's a claim.

Business owners policy (BOP)

Combines liability and property coverages in one package

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A BOP combines the same liability coverages as a general liability policy with commercial property insurance. This cost-effective package also protects your business personal property, such as registers, furniture, and inventory. You can add optional coverages, too, like food spoilage for fresh animal feed.

Example: A large dog breaks free from a training session, knocks over a product display, and causes a customer to fall. A business owners policy can cover the customer's injuries, as well as the property damage to your inventory.

Professional liability

Protects against mistakes and negligence in your advice and services

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Professional liability insurance, also called errors and omissions (E&O) insurance, can support your business if a customer says you gave bad advice or made a mistake while providing a service. It helps cover the cost of responding to these claims, whether or not you actually made an error.

Example: A staff member at your boarding facility schedules a client incorrectly causing them to miss a prepaid trip because they can't secure pet housing in time. Professional liability insurance can help cover damages and legal expenses if they decide to sue for financial loss.

Workers' compensation

Supports employees who get injured on the job

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Workers' compensation insurance helps pay medical expenses and lost wages for employees who get injured or sick because of their job. Most states require it, so you'll want to check workers' comp laws where you live to see what's needed.

Example: One of your workers falls off a ladder while restocking a shelf. Workers' comp could cover their doctor visits, rehab, medications, and recovery time.

Commercial auto

Covers vehicles used for your business

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If your business counts on vehicles, you may need commercial auto insurance. Basic auto liability coverage can pay for injuries or damage you cause others in an accident. You can also add other auto insurance coverages to protect your drivers, passengers, and vehicle.

Example: Your driver crashes your pet shop's delivery van into a customer's mailbox. Commercial auto can help pay to repair the damaged property.

Keep your pet shop open for business

Don't let a setback slow you down. If an unexpected event like theft, vandalism, or a fire forces you to temporarily close, a BOP from Progressive Commercial can help you stay on track. It includes business interruption coverage that can help with lost income, employee wages, and short-term relocation expenses while your shop is being repaired.

How much does pet shop insurance cost?

Your pet shop's business insurance cost depends on your overall risk. For example, if you fly solo with a mobile grooming service, you can expect to pay less than a large pet shop company that offers deliveries and training services.

Factors that can affect the cost of pet store insurance include:

Number of employees
Business location
Types of coverage
Insurance limits
Claims history
Services

If you need vehicle coverage, your commercial auto insurance rate will impact what you pay. You can save by taking advantage of Progressive Commercial insurance discounts and choosing the coverages, deductibles, and policy limits that work for you.

Getting pet shop business insurance through Progressive Commercial

Whether you sell high-end pet food, custom cat furniture, or tropical fish supplies, Progressive Commercial offers coverage designed for all types of pet shops. As a trusted insurance provider for over 50 years, our team of insurance experts will help you find solutions tailored to your small business. Get started with an online quote today.