Whether you run a veterinary clinic or an animal grooming salon, you provide essential services to pet owners. You must secure the right business insurance to continue providing these services and protect your enterprise. While your exact needs may vary, consider the following policies.

4 Necessary Business Insurance Policies When Working With Animals

1. Professional Liability

Vets and animal groomers often provide professional advice to pet owners. If this advice is incorrect and causes a customer to experience a financial loss, you may be subject to a lawsuit. Professional liability can protect you against a claim by covering the litigation costs, including lawyer fees. 

2. General Liability

A slip-and-fall injury, which is especially common when four-legged patients are nearby, can easily lead to claims of negligence. Even if these claims are meritless, you may still need to answer them in court. General liability can pay for the assorted legal fees. 

3. Equipment Coverage

Veterinary offices typically require state-of-the-art equipment to perform procedures and other treatments. When equipment is damaged, you’ll be prevented from providing the full range of services to customers.

Equipment policies cover repairs and replacements, depending on the details of your plan. Some can even replace lost income caused by malfunctioning phone systems and cleaning equipment.

4. Commercial Auto Insurance

Using a vehicle for business purposes requires a commercial auto policy that protects you against accidents. Even if you use a covered vehicle for work purposes, your personal auto insurance may not extend to incidents that occurred on the clock. 

Do you have questions about business insurance and which policies you need? If so, JMS Insurance Agency is happy to provide the answers. Located in Stafford, TX, this independent agency works with trusted providers to offer the best insurance policies. They’ll work to keep premiums within your budget because they believe everyone deserves quality insurance. Call (281) 494-1500 to get started on a free quote. Visit them online for the full listing of services.