July 2017

Insurance Coverage for Pet Care Services

We understand the unique needs of pet care services industry, which is reflected in the customized coverages our markets provide, such as:
✓ Pet Grooming Liability Endorsement – Automatically included for Pet Grooming and Pet Day Care and Overnight Boarding services. Covers injury to dogs, cats or other domesticated animals as a result of providing or failing to provide pet grooming services.
✓ Boarding Kennel Endorsement – Automatically included for Pet Grooming and Pet Day Care and Overnight Boarding services. Covers injury to dogs, cats or other domesticated animals in the care, custody or control of the policyholder.
✓ Veterinarians Professional Liability Coverage – Optional add-on coverage in the event of a professional error (“medical incident”) that results in injury or loss of an animal up to $2M/$4M (Occurrence/Aggregate).
✓ Animal Floater – Optional add-on coverage in the event of accidental injury, death, damage, theft or escape of animals belonging to others that are in your care, custody or control, on your premises for examination, treatment, grooming, boarding or breeding, or while in transit.
✓ Business Income – Mobile Operations Vehicle Endorsement – Optional add-on coverage extends BIEE coverage for loss of business income due to direct physical damage to policyholder vehicles/trailers that provide services on the road.

Coverage Scenarios:

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Products Liability Coverage from Paperless Insurance

In December of 2016, a furniture chain agreed to pay $50 million to settle a lawsuit after its dressers tipped and fatally injured small children. All product manufacturers, designers, and retailers are exposed to a multitude of risks that can end in litigation. With manufacturing and retail contributing $3.8 trillion to the U.S. economy, there is a vast need for… Read More »Products Liability Coverage from Paperless Insurance

Why You Need Business Insurance

At 10:30 on a Sunday evening, Steve Lapenta’s phone rang. An employee of Lapenta’s small natural foods business, The Bridge in Middletown, Conn., was on the line. “You should come down here,” the employee said. “A truck just crashed into the building.” Lapenta hurried to the scene where he met a cadre of police cars, fire trucks and flashing lights—and… Read More »Why You Need Business Insurance