Dog Boarding Insurance

small business owner protected by dog boarding insurance

Safeguard Your Business With Reliable Dog Boarding Insurance

Whether you’re boarding dogs during the day or overnight, your clients trust you to care for their furry companions. Pet boarding insurance lets you focus on providing a safe and comfortable environment while helping protect your business from unexpected incidents.
 
Quote Today
small business owner protected by dog boarding insurance

Why Do You Need Pet Boarding Liability Insurance?

While you do everything in your power to create a safe and welcoming space for your clients, bites, animal injuries and property damage can happen suddenly. Insurance for dog boarding businesses is essential to help keep your doors open. If you don’t have coverage, you’d have to pay out of pocket for costly claims – putting your boarding business at financial risk.
 
With The Hartford, we designed our business insurance coverage with companies like yours in mind. “Dog boarding insurance” is made up of different coverages to help protect your business from various risks. Common coverages include:
 
small business protected by insurance for dog boarding

Who May Need Dog Boarding Insurance?

Our insurance solutions are designed to help meet the needs of many types of pet businesses, including:
 
Get Great Coverage in Minutes
Help protect your dog boarding business with coverage designed to meet your needs.
Quote Today

How Much Does Dog Boarding Insurance Cost?

The cost of insurance for your dog boarding business can vary depending on your location, business size and other factors. Here are the average costs The Hartford’s small business customers in this industry pay:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
Every business owner has specific needs, so your insurance cost may be different than the average. The best way to find out how much dog boarding insurance will cost you is to get a quote.
business owner protected by dog boarding business insurance

Proof of Insurance at Your Fingertips

We make it easy to access your proof of insurance online, whenever you need it.

Covering Your Operations

Running a dog boarding business isn’t just rewarding; it’s hard work. Working with animals means you face different risks than other businesses. Dog boarding insurance can help protect you and your employees during unexpected events.
Small businesses make up nearly 50% of tort costs.2
General Liability Insurance for dog boarding businesses

General Liability Insurance

“One of our customers came in just before closing and slipped on a freshly mopped floor. It was a serious fall, and she sued my business to help pay for her medical bills.”
 
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance for dog boarding businesses

Employment Practices Liability Insurance (EPLI)

“One of our employees filed a discrimination suit against us, claiming that we passed him over for a promotion due to his age.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.

Taking Care of Your Team

With the physical demands and unpredictable nature of working with animals, your employees face risks every day on the job. The right insurance can help keep them safe.
In the United States, 1,000 people per day are treated in emergency departments for dog bite injuries.3
workers' compensation insurance for dog boarding businesses

Workers’ Compensation Insurance

“One of the dogs in my care bit my employee, and she had to go to the ER for treatment. After a few days off to rest and heal, she still needed physical therapy to fully recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto insurance for dog boarding businesses

Commercial Auto Insurance

“One of our employees got into a fender bender while picking up supplies for our kennel. Everyone was OK, but the van was badly damaged.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business vehicle for work.

Protecting Your Property

The play areas and everyday supplies in your kennel support your business and help build your reputation. But unexpected incidents like damage, theft or accidents can lead to costly setbacks. With dog boarding insurance, you can help protect your essential business property.
Water damage is one of the most costly and common causes of property loss.4
business income insurance for dog boarding businesses

Business Income Insurance

“We had a big storm blow through, and a tree limb fell on top of the roof. We had to close for two weeks during our busiest month to get the roof fixed.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate because of property damage from fire, theft, wind or vandalism.
commercial property insurance for dog boarding businesses

Commercial Property Insurance

“A pipe burst in our lobby during a freeze, totally drenching the front desk area. It damaged our computers, printers and document files.”
 
Commercial property insurance helps protect your business' equipment, furniture and tools from loss or damage caused by events like storms, fires, vandalism or leaky plumbing.

Pet Boarding Insurance Made for Businesses Like Yours

With more than 200 years of insurance experience, The Hartford understands the unique risks and challenges you face as a kennel owner. That’s why we offer diverse insurance solutions specific to businesses like yours. We’ve helped protect more than 1.5 million small business owners, and we’d be proud to do the same for you.
 
Find out more about other pet service professions we insure:
 

Frequently Asked Questions About Dog Boarding Insurance

Dog boarding insurance is a package of different insurance coverages to help protect your business from risks. From liability for dog bites to natural disasters that damage your facility, having the right coverage can make all the difference. The right type of coverage can help shield you from financial strain by covering potential claims and even legal costs if your business gets sued. You can also get certain coverage to include protection for your vehicles and essential equipment, ensuring your operations stay on track. 
Dog boarding insurance is crucial for covering costs related to property damage and liability claims made against your business. Without this coverage, you’d be responsible for paying out of pocket for costly legal claims or damages, which could be financially overwhelming for a small business. Additionally, some states may mandate specific types of business insurance.
The best way to get dog boarding insurance is to get a quote from The Hartford. We’ve made it easy for you to customize an insurance quote for your specific needs in just a few minutes.
small business owner is happy after getting a dog boarding insurance quote from The Hartford

Get Dog Boarding Insurance Today

Get the coverage you need to help protect your livelihood and focus on what matters most – caring for your customers’ beloved pets.
 
Quote Today
 
 
Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Institute for Legal Reform, “Tort Costs for Small Businesses”
 
3 Injury Epidemiology, The changing epidemiology of dog bite injuries in the United States, 2005–2018
 
4 Risk & Insurance, “Water Damage Is a Leading Cause of Commercial Real Estate Claims. How Sensor Technologies Help Mitigate These Claims”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
Get a Business Insurance Quote