Pet Shop Insurance

small business protected by pet shop insurance

Help Protect Your Pet Shop With Coverage From The Hartford

We know that working with animals and selling pet supplies comes with specific risks. That’s why we created pet shop insurance to help protect your business from the unique issues you may face. 
 
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small business protected by pet shop insurance
small business protected by pet store insurance

Do Pet Stores Need Insurance?

Running a pet store comes with risks that other small businesses don’t have to worry about. From customer or employee injuries to contaminated pet food, you need business insurance you can rely on to help you financially recover if something unexpected happens.
Insurance for pet shops is customized with your industry in mind. While there are many coverages to choose from, most pet store owners start with a Business Owner’s Policy (BOP) because it combines three essential coverages:
 
To fully safeguard your operations and employees, business owners can add on these coverages too:
 
  • Workers’ Compensation Insurance: Provides benefits to your employees while they recover from work-related injuries or illnesses. This coverage can help pay for their medical expenses, rehabilitation and lost wages.
  • Commercial Auto Insurance: Can help protect you and your employees on the road while using company-owned vehicles for business reasons.
Keep in mind that some states may require you to have specific coverages, so be sure to check with your local laws to find out what you’ll need.

Common Questions About Pet Shop Insurance

Pet shop insurance helps protect your business from unique risks that could come up during your normal business operations. If you have animals in your care, custody or control, you’ll need to help protect your business with pet shop insurance. One of the best coverages to have is general liability insurance, which is included in a Business Owner’s Policy (BOP). GLI helps cover claims when your business caused someone bodily injury, property damage, reputational harm or advertising injury.
On average, our pet shop insurance customers paid about $174 a month, or $2,085 annually, for a Business Owner’s Policy (BOP).** Keep in mind that business insurance costs will vary. There are many different factors that could influence your business insurance cost, such as:
 
  • Location
  • Size of operations
  • Number of employees
  • Coverage needs

Covering Your Pet Shop’s Operations

We know that you care for your client’s pets like they’re your own. Sometimes, despite your best efforts, accidents can happen. With the right kinds of coverage, you can have peace of mind knowing your business is protected.
Slips and falls account for over 1 million hospital emergency room visits.2
General Liability Insurance for pet stores

Customer Injury

“One of my employees had just finished mopping the floors of our pet store when a customer accidentally slipped and fell. He went to urgent care where they diagnosed him with a sprained wrist.”
 
General liability insurance, which is included in a Business Owner’s Policy (BOP), helps cover liability claims filed by others if your business caused them bodily injury or property damage.
animal bailee insurance for pet shops

Animal Injury

“When one of our puppies escaped her kennel, she jumped down a good distance to get out. She started limping and needed to be seen by our veterinarian.”
 
Our animal bailee insurance for dog and cat trainers can help pay for expenses if an animal in your care gets hurt or lost. This can help cover veterinary bills, or even advertising and reward costs for a lost pet.

Protecting Your Pet Shop’s Property

Disaster can strike when you least expect it. With pet shop insurance, you’ll have protection you can rely on when these unexpected issues come, like if your property is damaged or stolen.
In 2023, cyber incident claims averaged nearly $169,000.3
data breach insurance for pet shops

Data Breach

“While opening the store one morning, I noticed our entire computer system was locked because of a hacking that happened overnight. Our customer data was stolen, and I had to notify everyone that their information was compromised.”
 
Data breach insurance can help pay to notify impacted customers of a data breach. It can also help pay for a public relations firm to handle media needs.
commercial auto insurance for pet shops

Auto Accident

“While delivering an online order to a customer, my company car was hit by a vehicle that ran a red light. Luckily I was okay, but my car was not.”
 
Commercial auto insurance can help cover the costs of an auto accident while you or an employee uses a company-owned car for business reasons.

Taking Care of Your Team

Whether your employees are assisting customers, caring for an animal or just restocking shelves, they face various risks on the job. Help keep them protected with the right types of coverage for your pet store.
There were 2.8 million workplace injuries or illnesses reported by private U.S. employers in 2022.4
Workers’ compensation insurance for pet shops

Employee Injury

“One of my employees accidentally dropped a heavy bag of dog food on his foot while he was stocking shelves. He was diagnosed with a fracture and needed medical treatment and time off work to recover.”
 
Workers’ compensation insurance helps cover work-related injuries and illnesses. It can also help protect your business if an employee sues you over an injury or illness that occurred on the job.
Employment practices liability insurance for pet shops

Employee Lawsuit

“I had to let go of an employee who was always showing up late to work. She ended up suing our business claiming wrongful termination.”
 
Employment practices liability insurance is included in a Business Owner’s Policy (BOP) with The Hartford. It can help protect your business against employment-related lawsuits like wrongful termination, discrimination or harassment.

Pet Shop Business Insurance Made for You

We’re an insurance company with over 200 years of experience protecting small businesses like yours. We understand the risks you face and provide the coverages you need to be protected against them. Our specialists can work with you to ensure you get the insurance coverages you need to keep your pet store successful.
 
Other related professions we also insure include:
 
business owner protected after getting a pet shop business insurance quote

Pet Shop Insurance That Has Your Back

Get a quote for pet shop insurance coverage and learn how we can help protect you and your small business.
 
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Last Updated: April 10, 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 National Floor Safety Institute, “Quick Facts.”
 
3 Coalition, “2023 Cyber Claims Report.”
 
4 United States Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2021-2022.”
 
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.
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