Pet Insurance

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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Deer Collisions Season Started

What weighs 200 pounds, reaches speeds of up to 45 mph and can cost you thousands of dollars in a split-second? Deer collisions cost U.S. drivers millions every year, with an average repair cost of more than $4,000 for each claim. Odds for a deer collision double from October through December, so it’s time to understand the difference between comprehensive… Read More »Deer Collisions Season Started

Dog Bite Claims Awards Average $32,000

dog bites homeowners insuranceAccording to the Insurance Information Institute (I.I.I.) and State Farm, the nation’ largest writer of homeowners insurance the cost of the average claim from dog bites and other injuries is on the rise.  I.I.I.’s analysis of homeowners insurance data found that the number of dog bite claims nationwide decreased 4.7 % in 2014. However, the average cost per dog bite claim was up 15% to $32,072 in 2014, compared with $27,862 in 2013.

The average cost per claim nationally has risen more than 67% from 2003 to 2014, due to increased medical costs as well as the size of settlements, judgments and jury awards given to plaintiffs, which are still on the upswing.

With 1,867 claims California continues to lead the list of states with the largest number of claims, followed by Ohio with 1,009 claims and New York with 965 claims, although NY state is leading with the highest average cost per claim in the country of $56,628.

The trend in higher costs per claim is attributable not simply to dog bites but also to dogs knocking down children, cyclists and senior citizens —all of which I.I.I. says can result in fractures and other injuries that increase the severity of the losses. Experts say that even normally docile dogs may bite when they are frightened or when defending their puppies, owners or food. The most dangerous dogs are those that suffer from poor training, irresponsible owners and breeding practices that foster viciousness.

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Vote for Pet Insurance Claims of the Year

Here are the 12 unusual claims nominated for the 2012 Hambone Award: July 2011 – Ginger the golden retriever (Rocky Hill, Conn.). Sniffing turned snippy when a feisty snapping turtle chomped down on Ginger’s nose, causing quite a scare and lacerations to her muzzle. August 2011 – Havee the Havanese (Pompton Plains, N.J.). A cleaning spree resulted in a trip… Read More »Vote for Pet Insurance Claims of the Year