Do you run a pet boarding facility or offer dog or cat boarding as one of your pet care services? If so, you’re in the right place. There is one BIG difference between the Boarding business and other types of businesses – it’s the pets! That’s not news to you, but most insurance policies ignore the pets. PROfur
Managing a lot of animals with many different breeds and varying degrees of behavior in one place at a time requires specialized knowledge. It also requires specialized insurance to protect you against the liability of accidental injury or loss of the pets themselves while they’re in your care, or for your professional liability should you provide pet care instruction or advice to your clients. We too have specialized knowledge and have used it to make it easy for you get a customized, cost-effective PROfur insurance policy that does a complete job of covering your business (including the pets!).
Here are the types of boarding services we cover for you:
- Indoor/outdoor play areas, runs & suites
- Treadmill Walking
- Facility or owner supplied food & treats
- Dog walking for exercise & washroom breaks
- “At home” care for those pets who may go home with you or your employees for some TLC
- Merchandise retailing
- Pickup & drop-off services (pet taxi) – dogs are covered while in the vehicle (this policy does not cover the vehicle itself – you still need your auto insurance policy)
- Administering medication as directed by the pet owner or vet
Coverage Extensions Are Available for:
- Dog Training
- Dog Walking
- Pet Sitting
- Pet Therapy
PROfur™ Masterplan Key Coverages
Click on in the table for more information
Protects against lawsuits alleging your service or advice caused injury or loss to a pet.
Allows you to make the best of a bad situation by being able to cover unexpected expenses incurred to care for pets injured or lost while in your care. This feature has the unique benefit of not requiring you to be sued in order to use the coverage.
Includes replacement cost coverage for tools, equipment and stock owned by your business while it is on the premises of your business, plus any renovations or leasehold improvements you are responsible for. Broad, multi-peril coverage is provided – in other words, the policy protects you against a wide variety of things that could damage your property such as fire, theft, vandalism and sewer backup among others.
Protects against accidental injury to others, including pets, or accidental property damage. For example, this is designed to defend you if you are sued for negligence after a customer slips and falls in your boarding facility, or if something were to fall and injure a pet in your care.
This is a package of various coverages included on all PROfur Masterplan policies. It is designed to maximize your protection by covering gaps that often arise unpredictably after a claim.
The policy also insures pets while they are being transported in your care (i.e. If you have to take them to the vet; if you offer pickup or drop-off service).
Covers lost profit and pays for necessary ongoing expenses if your boarding business is interrupted or closed due to a property damage claim. For example, if your boarding facility suffers extensive water damage after a storm and you’re closed for 2 months while it’s repaired, the policy will reimburse you for the profit you’ve lost and it will pay for necessary operating expenses that continue even while you’re closed, such as your salary and loan payments.
Coverage is also included for extra expenses you incur to avoid or minimize the interruption of business after a claim. For example, if your boarding facility suffers extensive damage after a fire and you’re closed for 3 months, this coverage can be used to cover the costs of relocating your business and advertising to let your customers know where to find you.
Covers reasonable expenses incurred to find or attempt to find a pet that has escaped or been stolen (i.e. advertising, travel, animal transport, veterinary services).
Insures your electronic equipment (or your electrical panel, wiring, air conditioner) against damage from electrical disturbances (like power surges and brown outs) and mechanical breakdown, and more importantly, it covers the lost profit and necessary ongoing expenses (like your salary) if you’re closed due to the equipment breakdown. Many commercial leases require you to carry this coverage. You can find out more info about the coverage at www.profur.ca/equipment-breakdown-insurance/
to help determine if it’d be beneficial for you. Note that this coverage is automatically included on some policies.
Allows you to post a reward for the safe return, or for information leading to the safe return of a customer’s pet that has escaped or been stolen from your care.
These 2 benefits help to pay for expenses incurred for you to establish the amount of your loss after a claim and to prepare the Proof of Loss form that you’re required to submit before a claim can be paid. For example – your business is shut down for a month to clean up after the sewer backs up into your boarding facility after a storm. You will likely need to hire an accountant to establish how much profit was lost while you are closed before you can be reimbursed by the insurance company.
Covers reasonable expenses incurred to remove animals from your premises in the event of an emergency to protect them from further harm (i.e. Animal transport, temporary daycare or another boarding facility).
All coverages are subject to the limits of insurance purchased and the usual Terms, Conditions, Exclusions and Warranties of the underwriter, Intact Insurance. Deductibles may apply to some of the listed coverages. More detailed coverage information will be provided with your quote.