Pet insurance is one of the fastest growing sectors in the insurance industry today. Given that, you might expect that dog breeder insurance would correspondingly be increasing in terms of its availability but that would not be entirely true. Insurance for the dog breeder is essential whether that breeder is a full time professional or part time from home. One over-sized litter or a sick puppy can impact a breeder and put them out of business. In addition to these types of risks, there are others that need to be carries. Dog Breeding has elements that are similar to all businesses as well as unique ones.
Common Insurance Elements
Dog breeding businesses have liabilities like any other enterprise. Liability insurance to defend and satisfy judgments in the case of accidents on the premises of the home or business location. If the breeding location is a home, don’t assume that homeowners insurance will cover any issues. Often there are exclusions for business related incidents and a dog-breeding enterprise, even if it is with a family pet, will likely be deemed commercial if there is any money passing hands for the purchase of a puppy. If anyone comes in from the outside to help as an employee, whether a family friend or not, that introduces other elements as well.
Specific Breeder Insurance Elements
Animals kept in a kennel situation, particularly when pregnant or caring for young puppies can be unpredictable and visiting customers may be subject to dog bites. Harm can come to the animals as well from the actions of a visitor that may lead to loss of an animal or the inability to breed. Not all normal commercial business policies or homeowner’s policies with riders, even the ones that allow for some business liability will cover all instances involving a dog breeding operation. Check carefully, ask detailed question of any insurer, and if the coverage needed for the unique elements are not present then seek a policy with another insurer, preferably one that has a specific policy for dog breeders.