Insurance for Pet-related Businesses From the Lambert Agency

You’ve chosen a truly special industry, one that provides and nurtures the joy and companionship of animal ownership. There’s nothing quite like the pet business — you’re involved in such a special part of people’s lives, young and old. And your customers trust you to provide them with high-quality animals, grooming services and related products that leave everyone (including Rover) happy and healthy.

The Lambert Agency offers policies created especially for pet stores, groomers, and businesses that sell pet supplies. Our coverage offers a wide range of options to give you the flexibility to cover just what you need to protect your growing business.

We’ve provided professional, personal service to companies like yours for more than 80 years. We’ll help you create a pet business insurance plan that fits your company and your budget.

Q. What specific kinds of insurance do pet stores, pet suppliers and groomers usually need?

A.  It varies from business to business, but generally most pet related businesses need:

• General Liability – This provides coverage in the event a customer would get hurt on your premises.
• Products Liability – This provides defense protection against pet food recalls and injuries resulting from the pet accessories you sold that malfunctions.
• Professional Liability – Provides coverage for groomers should a professional mistake occur.
• Hired and Non-Owned Automobile Liability – Provides coverage if an employee drives their vehicle on company business or if the business rents a vehicle.
• Business Automobile Liability – Provides coverage for business-owned vehicles, or for employees using their vehicles for business purposes.
• Workers Compensation – Protects you against employee job-related injury claims.
• Inland Marine/Goods in Transit – Protects your equipment, tools, and grooming clients while being transported by your business. Change to- Protects your equipment, tools and other portable items while being transported by your business.

Q. What type of coverage is often overlooked in my industry?

A.  Equipment Breakdown – This insurance covers the cost to repair or replace equipment such as telephone systems, computers, water filtration and pump systems for aquariums and other electronic office or grooming equipment.

Business Interruption – This covers loss of income due to a fire, act of vandalism, or other damage to your property that forces you to temporarily close. Your lost income will be paid until you are up and running once again.

Glass breakage – Provides coverage if plate glass windows, doors or display cases are broken.

Flood Insurance – The Lambert Agency doesn’t offer flood insurance, but your agent can connect you to the National Flood Insurance Program, the government-sponsored insurance that offers up to $500,000 in coverage.

Q. I’ve invested a lot in my brand. Can I get insurance to cover my company’s signs?

A. Since your signs are such an important part of your visibility, we can cover them – from damage caused by vandalism, theft, lightning, car accidents and more – so you have one less thing to worry about.

Q. What is umbrella insurance?

A. It’s a way to add higher limits to your existing insurance. For example, if your current liability policy covers a $1 million lawsuit and you are successfully sued for $2 million, umbrella insurance can cover the difference. Best of all, we can provide this excess liability coverage over your business vehicles as well as your business liability.

Q. If I have more than one location, do I need several policies?

A. No. The Lambert Agency covers all of your locations with one policy, saving you money and paperwork. Better yet, your liability limits apply separately at each if your locations.