Pet Services Insurance

With 1000's of current clients nationwide, we take pride in being able to offer the best available coverage's for Pet Grooming Salons, Mobile Groomers, Kennels/Daycares, Pet Stores/Boutiques, Veterinarians, Mobile Veterinarians, Trainers, Humane Shelters, Rescues and other pet related businesses including Manufacturers and Distributors.

In 1985, Bob Thompson of Governor Insurance Agency, was approached by Jeff Reynolds, Executive Director of the NDGAA (National Dog Groomers Association of America) to create specific insurance coverage for their members. Out of this meeting, Bob designed the Professional Liability and Animal coverage forms that were tailored to meet the specific needs of the Pet Service Industry.

In 1998, Bob Thompson designed additional specific coverage for the expanding Mobile Grooming Industry. Along with the Professional Liability and Animal coverage, Bob created coverage forms to provide for the Loss of Income for a grooming van or trailer, should it be damaged or destroyed; and to insure the customized portion of the van or trailer also .This coverage is not usually available in a standard insurance coverage package.

In recent years, Bob and the Agency has continued to develop insurance coverage packages for the pet industry and has been very successful in providing specialized packages for Boarding Kennels, Dog Daycares, Mobile Veterinarians and Humane Shelters and Rescues.

Our unique Pet Industry Policies include: Pet Professional Liability for Groomers, Kennels and Veterinarians, coverage for customers pets in your Care, Custody and Control, customization of your van or trailer, in addition to Loss of Income for your mobile van or trailer if it is damaged or destroyed.

Professional Groomers Liability Coverage, Professional Kennel/Boarding Liability Coverage Professional Veterinarian Liability Coverage

Professional Groomers Liability Insurance, Professional Boarding Kennel Liability Insurance and Professional Veterinarian Liability Insurance will protect you and your employees from claims that are brought against your business for the rendering or failure to render your professional services in the course of your operation.

Customers Pets in your Care, Custody and Control

Customers Pet coverage will pay for direct loss or injuries to animals that a client leaves in your care, custody or control. This will cover you against animal injuries or death caused by many perils, even if you are not legally liable.

Mobile Van or Trailer Customization Coverage

Our automobile/van or trailer coverage is written to specifically include the customized portion of your van or trailer. In standard industry policies the conversion of your van or trailer is not insured unless you are certain it is specifically identified within your policy.

Mobile Business Income and Extra Expense

This coverage will provide for loss of Business Income due to the loss of use of your scheduled van or trailer if it is damaged or destroyed. A Mobile Business Income claim can pay you, in any one occurrence, up to $500.00 per day in lost income, due to a collision or comprehensive automobile claim. Coverage is limited to a maximum of 21 consecutive days from the initial loss date. This is not a maintenance agreement nor is it a personal disability policy.

*****Do not confuse the Loss of Income on your standard business insurance policy   with Loss of Income to your mobile or trailer. Loss of Business Income and Extra Expense coverage, on a standard business owners policy will not extend to your mobile grooming van or trailer.

Commercial General Liability Insurance Coverage

Business Liability Insurance consists primarily of liability coverage, which protect you against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

• Premises and Operation
• Fire Damage Liability (damage by fire to premises rented to insured)
• Personal and Advertising Injury
• Medical Payments
• Products/Completed Operations

Your Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add excess liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Business Property Coverage 

Protects you against physical damage to buildings, contents, stock, and equipment. The terms and conditions of coverage are determined by the limit of insurance chosen by the policyholder. Scheduling of specific property is usually not necessary. The limit is based on the items that you wish to insure; i.e., buildings, stock, furniture, fixtures, machinery etc.

Business Income and Extra Expense Coverage

Business Interruption protects the policyholder against lost profits as a result of direct damage to your scheduled premises.  This coverage will provide for business income for the actual loss sustained. Typically this is for a 12 month period after the occurrence. Extra Expense provides payments for those extraordinary expenses necessary to continue operations after physical damage to your scheduled premises.

Business Automobile Coverage

Business Automobile Liability coverage will protect you against claims arising due to personal injury and property damage caused by an accident with your insured vehicle. In addition to your Business Automobile Liability coverage, we provide coverage for physical damage to the cab, chassis and customization of your mobile grooming van or trailer.

Workers' Compensation

The Workers' Compensation System was established to compensate and protect employees who suffer personal injury by accident arising out of and in the course of employment and to protect employers by limiting their exposure from lawsuits arising out of such injuries.

Workers' Compensation Insurance is a "no-fault" insurance coverage that applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered. It is recommended that if your business has any employees, subcontractors or independent contractors, you take the proper steps to protect yourself ,as well as your employees, subcontractors or independent contractors.

Workers' Compensation provides for the payment of four types of benefits:

• Medical benefits
• Income benefits
• Death benefits
• Rehabilitation benefits