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We provide guidance on what questions to ask when it comes to securing the best coverage for your business.
How to find the right pet care business insurance with PROfur
When comparing insurance options for your pet care business, policies may seem similar at first glance—but the key differences are often in the fine print. For example, a policy with a deductible on injury claims might have a lower upfront cost, but if a pet is injured while under your care, that deductible could result in significant out-of-pocket expenses. What looks like savings now could cost you much more later. We help you understand those details, so you can choose coverage that truly protects your business, your clients, and the pets they trust you with.
Questions to ask when comparing insurance policies:
Does the policy treat pets like people or like property?
PROfur treats pets the same as people, so you’re covered for lawsuits for pain and suffering of a pet.
What’s the coverage for emergency vet expenses, loss or death of a pet?
$10,000/pet, $50,000/occurrence are are the base limits, plus you have your liability coverage if you’re sued as a result. Higher limits are available.
What deductible applies for emergency vet expenses, loss or death of a pet?
$200
What deductible applies if you’re sued for injuries to pets or people?
$0
Are emergency vet fees, lost pet or death expenses covered even if you’re not at fault? Does the policy require the pet owner to first claim the expenses on their own pet health insurance before your insurance will pay?
The PROfur policy covers these costs regardless of whether you’re at fault and the pet owner doesn’t have to involve their own insurance, so your claim is paid quickly to help preserve your reputation
Can the insurance company deny a claim if they don’t think you’ve used “reasonable means” to save an animal?
No.
Is there coverage to pay for a reward to locate a runaway?
Yes, up to $5,000 per policy term for rewards and to cover expenses to try and find a runaway (like mileage, brochures, advertising).
Are pets covered for multiple perils or specified perils? In other words, will the policy cover emergency vet expenses, death expenses and liability for other things such as one dog biting another?
PROfur covers animals against multiple perils. All examples listed here would be covered under a PROfur policy. Ensure you get this in writing if getting alternative quotes
Does it include professional liability (particularly important for groomers, dog trainers and pet therapists)?
Yes – you’re covered up to the liability limit you select.
Is there coverage for emergency removal of pets from your premises to protect them from danger (particularly important for daycare/boarding and some grooming businesses)?
Yes – $2,000 is provided so you can protect them from the types of things that may cause a property damage claim to your facility, such as a fire or tornado.
Keep in mind that a PROfur policy is specialized. Our service team focuses on insuring pet care professionals so we’re able to provide quick service & ensure your policy gives you the best protection on the market at a cost-effective price.
Why trust Acera Insurance and PROfur for your insurance 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.
Ready to get your free business insurance quote?
Enter your information into our digital tool to get a no-obligation quote. You can even pay for your policy online!