Pet Kennel Insurance
Pet Kennel Insurance
Pet kennels play an essential role in the pet care industry by providing safe, reliable accommodation for animals while their owners are away. Whether you manage a small boarding facility, a luxury pet hotel, a long-term stay kennel, or a combined daycare-and-boarding center, your business operates in a fast-paced environment filled with both excitement and significant responsibility. Animals with different temperaments, medical needs, and behaviors are brought together under one roof—and with that comes risk.
From accidental injuries and pet escapes to property damage, illness outbreaks, staff injuries, and customer disputes, unexpected incidents can happen at any moment. Pet Kennel Insurance provides comprehensive protection that keeps your business financially secure, your facility compliant, and your reputation strong. With the right coverage in place, you can care for animals confidently while protecting your operations from costly liabilities.
Pet owners trust your facility with their beloved companions. This insurance ensures you can uphold that trust—even when challenges arise.
Why Pet Kennels Need Dedicated Insurance Protection
Kennels face a unique set of risks that require more than a standard business policy. You’re caring for live animals, coordinating multiple staff members, and maintaining a facility that must remain safe, sanitary, and operational at all times.
This type of insurance protects against risks such as:
Pet injuries during play, feeding, grooming, or interactions
Illnesses that spread within the facility
Pets escaping or causing property damage
Client claims regarding negligence or improper care
Staff injuries from lifting, cleaning, or animal handling
Fire, water damage, or equipment failure
Theft or damage of business property
Unexpected shutdowns that impact revenue
A single incident involving a boarding dog or cat can lead to extensive financial consequences. Proper insurance ensures your kennel can continue operating smoothly even when something goes wrong.
General Liability Insurance for Pet Kennel Insurance
General Liability Insurance is the foundation of protection for any pet kennel. With high foot traffic and animal activity, accidents can happen quickly.
This coverage helps with:
Injuries to clients during drop-off or pick-up
Damage to a customer’s property
Claims of negligence
Legal defense costs
Accidents involving visiting vendors or delivery personnel
If a client or visitor is injured on your premises, this coverage protects your business from financial loss.
Workers’ Compensation Insurance for Pet Kennel Insurance
Kennel staff often perform physically demanding tasks including lifting dogs, cleaning kennels, handling aggressive or anxious pets, and maintaining the facility. Injuries are common, making this coverage essential.
It provides protection for employees who suffer:
Animal bites or scratches
Slip-and-fall injuries
Back or muscle strain
Illness from exposure to cleaning chemicals
Accidents during feeding or exercise routines
Workers’ compensation ensures your staff receives proper care while protecting your business from lawsuits related to workplace injuries.
Business Owners Policy (BOP) for Pet Kennel Insurance
A Business Owner’s Policy is one of the most valuable packages for kennels because it bundles multiple essential protections in one affordable plan.
A BOP usually includes:
Property insurance for kennels, cages, bedding, supplies, and equipment
Liability insurance for accidents and injuries
Business interruption coverage for unexpected closures
Coverage for fire, storms, theft, vandalism, and more
For kennels that rely on specialized rooms, HVAC systems, and secured fencing, having property and liability coverage combined is crucial.
🐾Frequently Asked Questions
Got Questions? We’ve Got Answers
Yes—when you include Animal Bailee Coverage, which protects pets in your care.
Yes. Even small facilities face significant risks, especially involving animal injuries or client claims.
Animal Bailee and General Liability protections can help cover related damages or claims.
Yes—Commercial Property or a BOP can protect physical assets and facility structures.
Some policies include limited coverage; others require an add-on. This can be customized.
