Guide Dog Training Service Insurance

How to Find the Best Guide Dog Training Service Insurance

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Every small business needs insurance of some kind. It’s the unique risks you face as a guide dog training service that dictate the kind of coverage you need to protect your livelihood. 

An independent insurance agent can help you find business insurance policies tailored for the needs of guide dog training services.

Why Do You Need Guide Dog Training Service Insurance?

Guide dog owners have invested a lot in the training of their dogs. If they’ve entrusted you to train their guide dog, they expect nothing but the desired outcome with no injuries to the dog nor any other adverse outcomes. If things go wrong, you can be sued.

And being a guide dog trainer is fraught with all kinds of other dangers, too. Dogs in your care can injure you or your employees. Dogs can injure each other, and dogs can injure your other customers or members of the general public on your premises.

What’s more, your training space, training equipment, and office furniture can be damaged by a fire, severe weather, theft, or vandalism.

That’s why you need guide dog training service insurance. What’s more, having the right kind of insurance shows your customers that you’re taking precautions to protect them and their dogs should the worst happen.

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What Does Guide Dog Training Service Liability Insurance Cover?

General liability insurance is the most important type of business insurance for guide dog training services.

Commercial general liability (CGL) insurance addresses the risks associated with the general public and unpredictable animals coming into contact and sharing space on your premises. It provides broad liability protection for third party bodily injury and property damage. It pays for your legal defense, third party medical bills, settlements, and judgments. CGL insurance also Includes coverage for claims of advertising liability, libel, and slander.

What Does Guide Dog Training Service Property Insurance Cover?

Guide dog training services need commercial property insurance to repair or replace lost, stolen, or damaged property in instances of fire, certain weather events, smoke, theft, or vandalism. Even if you rent your space, you still need property coverage for your business personal property—or the contents of your space—including office furniture, waiting room furniture or fixtures, training equipment and tools, leashes, kennels and crates, and other contents on your premises.

You also need business interruption insurance, which helps you with business expenses and lost income if you must temporarily close due to a covered property loss (fire, weather event, etc.).

You might be eligible for a business owners policy (BOP). The BOP is a convenient package policy that includes commercial liability insurance, commercial property insurance, and business interruption insurance. If you qualify for a BOP, you can still add endorsements or purchase any additional coverage that you might need to round out your coverage.

What Other Insurance Policies Do You Need?

Talk to an independent insurance agent about your need for the following additional types of guide dog training service insurance.

  • Commercial auto insurance: Protects you while you’re driving for business purposes. If your business owns or leases vehicles, commercial auto insurance covers accidents and other collisions, theft, vandalism, and weather events (e.g., hail, windstorm). It pays for repairs to your vehicle as well as medical bills, legal fees, and settlements or judgments that you are required to pay if you cause an accident. If you or your employees drive personal cars for business purposes, you may need non-owned auto liability insurance.
  • Inland marine insurance: Covers any training equipment that you take with you while you make house calls. Standard commercial property insurance does not cover your business property while it is mobile. Rather, you need inland marine insurance to protect the equipment you use in your work everyday while it is in transit.
  • Workers’ compensation insurance: Protects employees who are injured on the job. Your employees face all kinds of risks, from dealing with multiple unpredictable pets, to slips, falls, and repetitive motion injuries. This valuable insurance protection is required for most businesses that have employees, and will keep you from being sued if an employee is injured while working for you.
  • Commercial umbrella insurance: Provides an extra layer of liability protection above and beyond the limits of your CGL and certain other liability policies. It kicks in and provides coverage when those other applicable policies have been exhausted. If you are involved in a significant claim or lawsuit, this coverage can be the difference between staying in business and closing up shop for good.

Your agent can help you customize these policies for your unique needs.

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What Is Animal Bailee’s Coverage?

What if an animal in your care runs away or becomes ill or is stolen, lost, or injured?

Animal bailee’s coverage is insurance designed for guide dog trainers and others in the pet services industry that temporarily take possession of other people’s pets, with the expectation that they will be returned unharmed.

Animal bailee’s coverage provides protection where your standard property policy does not. Your business property policy will not pay for costs related to an injury, death, or loss of a customer’s pet—or other people’s property that is in your care, custody, or control.

Bailee’s coverage may pay for resulting veterinary costs if an animal is injured or becomes ill while in your care, and may even pay for costs related to lawsuits after such an incident.

Do You Need Professional Liability Insurance?

Guide dog training services might also need professional liability insurance. This is tailored liability coverage that protects you if a client claims you have been negligent in providing professional services. If, for example, you face allegations that your training was ineffective, improper, or produced a result that caused financial loss to another person, this coverage will protect you if you are sued.

Regardless of whether or not you are at fault, you will still need to pay for your legal defense. Guide dog training service professional liability insurance will help with those costs, as well as any settlements or judgments that you are required to pay.

A Note about Bonds for Guide Dog Training Services

Guide dog training services and other pet services businesses often advertise themselves as “licensed, bonded, and insured.” What does this mean?

Dog trainers may want to advertise to ensure potential clients that they have the required permits or licenses to operate in your state or municipality. Next, having insurance ensures you’ll be able to pay for damage if something goes wrong. And last, in some cases certain types of bonds are required or desired in order to guarantee a certain aspect of your services.

A fidelity bond (or dishonesty bond) is an insurance product that is common among pet services businesses, especially if you have employees and you or they are invited into your clients’ homes. A fidelity bond protects you in the event that one of your employees is accused of theft or other dishonest acts. Typically, only dog trainers that have employees need this type of protection. 

How Much Does Guide Dog Training Service Insurance Cost?

In general, guide dog training service insurance costs will vary depending on the size of your business, the number of employees you have, the amount and value of your commercial property, the location of your business, and a variety of other variables.

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Benefits of an Independent Agent

An independent insurance agent who has experience working with guide dog training services and other similar businesses can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Find and Compare Quotes for Guide Dog Training Service Insurance

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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TrustedChoice.com Article | Reviewed by Paul Martin

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