Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 22, 2026.
GENERAL LIABILITY
Pet Care Services $34/month for general liability
WHY IT MATTERS
Why Pet Care Services need business insurance
Working with animals can lead to third-party injuries, property damage, employee incidents, and damage to business equipment. The right mix of coverage depends on your services and how your operation is structured.
SCENARIO 1
A dog escapes during a walk
If the dog injures someone or damages their property, general liability insurance may help address a covered third-party claim, subject to the policy's terms.
SCENARIO 2
An employee is bitten
Workers' compensation is the coverage to review when an employee experiences a work-related injury, subject to policy terms and applicable requirements.
SCENARIO 3
Grooming equipment is damaged
Commercial property insurance may help repair or replace covered business equipment after a covered event, subject to limits and deductibles.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services offered
Boarding, grooming, training, walking, and other hands-on services create different exposures. More complex services can lead to a higher quote.
Number of animals served
Handling more animals increases the amount of activity an insurer evaluates and can raise the quoted rate.
Payroll and staffing
A larger staff or higher payroll can increase the workers' compensation portion of a quote.
Business property value
More equipment, inventory, furnishings, or tenant improvements can increase the amount of property coverage needed and raise the quote.
Business vehicle use
More vehicles, more driving, or regular pet transportation can increase a commercial auto quote.
Claims history
Previous claims can lead to closer underwriting review and may result in a higher quoted rate.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
Rates and requirements vary by state and by carrier, even when two pet care businesses offer similar services.
State requirements
Required coverage and policy rules can vary by state, so the applicable requirements depend on where the business operates.
Carrier underwriting
Each carrier evaluates pet care operations differently, which can affect eligibility, coverage terms, and the quoted rate.
Operating footprint
Multiple locations or operations across state lines can add exposures and make the insurance structure more complex.
764
Quotes analyzed
51
States represented
6
Coverage lines
BEST RATE
How to get the best rate
List every service
Prepare an accurate list of grooming, boarding, walking, training, transportation, and other services before requesting a quote.
Update business details
Check your payroll, revenue, property, vehicle, and staffing information so the application reflects your current operation.
Document safety practices
Keep records of staff training, animal-handling procedures, equipment maintenance, and incident response practices.
Review contracts and coverage choices
Use client, landlord, and vendor contracts to identify requested limits, then review deductibles and coverage options against those needs.
FAQ
Common questions
What types of business insurance should a pet care business consider?
The appropriate mix depends on your services and operation. General liability insurance, a business owners policy, workers' compensation, commercial auto, professional liability, and commercial property may each address a different exposure.
Does general liability insurance cover injuries to pets in my care?
Do not assume that it does. Review the policy's exclusions, conditions, and endorsements for animals in your care before choosing coverage.
Does a pet care business need workers' compensation?
It depends on your workforce and the requirements that apply where you operate. Requirements vary by state, so describe employees and other workers accurately when requesting coverage.
Do I need commercial auto insurance to transport pets?
You may need commercial auto insurance when vehicles are used for pet pickup, delivery, mobile grooming, or other business driving. Disclose how each vehicle is owned and used so the appropriate coverage can be evaluated.
What information should I prepare for a pet care insurance quote?
Prepare your service list, staffing and payroll details, revenue, property information, vehicle use, claims history, and requested coverages. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.