Privacy Breach Coverage for Pet Care Businesses
We offer vital coverage to protect pet care businesses from privacy breaches.
Maintain client trust with privacy breach protection designed for pet care professionals
Pet care businesses handle sensitive information every day—not just about pet owners, but often about their pets’ health, vaccination records, and emergency contacts. A privacy breach can quickly erode client trust and put your business at serious legal and financial risk.
Our privacy breach coverage is crafted specifically for groomers, pet boarders, dog daycares, and other pet care professionals. It includes expert support, client notification services, and coverage for regulatory penalties and legal expenses. With the right protection in place, you can stay compliant and focused on what matters most—providing exceptional care to your clients and their pets.
Even small incidents—like a misplaced tablet, a misaddressed invoice, or a malware attack—can expose private data and trigger costly consequences. With our tailored coverage, you’re not alone. We offer immediate breach response, access to legal and IT professionals, and support for credit monitoring and crisis communication. Whether you’re running a boutique grooming studio or a multi-location pet services brand, our flexible solutions grow with your business—helping you protect your reputation and the relationships you’ve worked hard to build.
Why do I need privacy breach coverage?
If you answer yes to any of the questions below, you should strongly consider obtaining privacy breach coverage for your business:
- Do you accept credit or debit card payments? Do you keep credit card information for future payments?
- Do customers book appointments online?
- Do you have social insurance numbers for employees so you can file payroll taxes?
- For dog walkers & pet sitters, do you have records of your customers’ security codes or when they are away from home?
If you keep personal information like this for customers or employees, either in paper or electronic files, do you know what to do if this info is lost or stolen, either accidentally or by thieves or hackers?
Soon it will be mandatory to report these breaches to the Privacy Commissioner and the affected people, with fines up to $100,000 per violation if you fail to do so. This applies even if the privacy breach is with a company you have outsourced to, such as to process credit card transactions or payroll.
What does the privacy breach expense endorsement cover?
Remediation Expenses
$25,000 for remediation expenses, such as:
- Public relations & crisis management
- Notification to customers or employees
- Computer forensic services (help to figure out how it happened, who has been affected, how to fix it)
- Credit & fraud monitoring for affected customers or employees
Business Interruption
$25,000 for business interruption resulting from a privacy breach, including:
- Loss of profits
- Extra expenses to reduce the loss of profits
Data Security Support
Access to privacy & data security specialists for services such as:
- Privacy breach response plan to minimize the impact and potential fallout of a breach
- Counselling
- Notification assistance
Notable conditions
- $1,000 deductible applies
- 24 hour waiting period applies for business interruption coverage
- Business interruption coverage is for a period of 60 days from when the breach is discovered or until the business achieves a level of profit it would have been at had the breach not occurred, whichever is shorter.
- Does not cover liability to other parties for a privacy breach (ie. if a customer sues you because of the breach)
- Does not cover fines or penalties due to a breach
- Does not pay cyber extortion ransoms
- You must have security software, such as anti-malware, on each computer AND a firewall (software firewall on each computer plus a hardware firewall). Security software and firewall must be kept updated when security patches are available.
- Business-critical and sensitive data must be regularly backed up, archived and tested for business interruption coverage to be available.
We work with reliable insurance providers to safeguard your business with privacy breach coverage made for pet care businesses.
Cyber incident policies are available for broader protection
Do you rely on computer records, store personal or financial information electronically, do e-commerce, provide online services, or rely on your website to generate revenue? You may want to consider a cyber incident policy, which can provide protection for things such as:
- Cyber extortion ransoms
- Denial of service attacks
- Malware that causes data loss, damage, encryption or damage to computer systems
- Data and privacy breaches
- Resulting business interruption
- Defamation, libel, slander, plagiarism or copyright infringement lawsuits resulting from live or recorded video content, webcasts, podcasts and blogs
Why trust Acera Insurance and PROfur for your privacy breach coverage?
Since 2006, we’ve supported pet care professionals like you. As Canada’s first provider of specialized pet care business insurance, we understand your industry. We ensure your policy gives you the best protection on the market, at a cost-effective price, without any surprising gaps that would exist on a less customized insurance policy.
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This highlights some of the coverages available with the privacy breach endorsements. Refer to policy wordings for complete information on coverages, limitations and exclusions.