Animal Shelter And Pet Rescue Insurance

Animal shelters and pet rescue facilities work with volunteers and employed staff to provide care for the animals. The animal shelter organizations rescue abandoned animals, nurse them and finally put them up for adoption.

Some shelters deal with specific animals, but the majority rescue and shelter all domestic animals.

Cost of Insurance for Animal Shelter and Pet Rescue Insurance

Several factors are considered before determining the cost of general liability insurance for an animal shelter or pet rescue. They include the location, size of the facility, the number of employees, revenue, and the type of equipment.

Why Animal Shelters and Pet rescue need Insurance

Rescuing animals, nursing them back to health through veterinarian services, and adoption poses a risk to the business owner. Whether dealing with the animals, the employees, or third parties. Every business owner’s wish is for smooth operations free from drama. However, that is not always the case.

It is impossible to see a disaster strike, but it is possible to prepare for any unforeseen event.

A client can slip and fall, sustaining injuries, or is hurt by the animals. Additionally, your facility can be damaged by fire or natural disasters. Without animal shelter insurance, you would be forced to bear the heavy financial burden imposed on you as the owner.

With the right coverage, you will be protected, and your business can bounce back even after an unfortunate event.

Types of Animal shelter and Pet Rescue Insurance

Animal shelters and pet rescue facilities differ in many ways depending on the services offered. Consequently, the coverage will be different to suit your operation needs.

There are basic insurance policies for animal shelters and pet rescue facilities and include

Commercial General Liability

The policy covers third-party injury claims caused by the negligence of your employees and property damage. A customer can sue for injuries sustained at your shelter. The policy covers the medical expenses and settlements from the lawsuit.

Commercial Property

This insurance protects your rescue shelter and pet rescue facility and the contents inside. Contents include the animals, equipment used, etc.

The damage can be caused by natural disasters like the roof of your facility being blown off by the wind. This insurance will pay for the cost to repair or replace the blown roof.

Directors and Officers Insurance

This D&O insurance protects the directors and officers by paying legal expenses.  An employee or client can sue for a wrong decision that costs the animal shelter and pet rescue massive financial loss. Other reasons to be sued include failure to perform official duties and defamation.

Workers Compensation

This insurance is required for animal shelters and pet rescue facilities that have employed staff. It protects the workers if they sustain a work-related injury or illness and pays lost wages.

Other insurance policies can include

• Employee Practices Liabilities Insurance
• Professional Liability insurance

A professional insurance agent will offer advice on the insurance requirements for your business.