Kennel Insurance In Massachusetts
The dog kennel business has been on the increase for past two decades and shows no indication of slowing any time in the near future. Some pet owners leave their dogs while they are on vacation, while others take advantage of the service due to demanding jobs with long hours or frequent travel.
Unfortunately, bad things do happen to good business owners. Whether you have a classic dog kennel or an eccentric dog hotel, Allan M. Walker Insurance Agency can help you obtain specialized Dog Boarding Insurance that is customized to meet your specific needs.
In March 2015, a golden retriever mix disappeared from a fenced area at the kennel where his owner left him while she was away. Even though the kennel owner was qualified and had all of the right equipment and resources, they were still unable to prevent this from happening.
That same month, another kennel suffered a three alarm fire. As many as half of the fifty dogs were not rescued and perished in the fire. Seven different fire departments had to be called in to battle the blaze and flames shot through the roof and sides of the building as they arrived on the scene.
High winds caused the fire to spread rapidly. Fire hydrants were almost a half a mile from the scene, which meant fire fighters had to run several hundred yards of hose in order to obtain water to fight the flames. The roof and the second floor of the building collapsed in the fire. Even though the front half of the building remained intact, the kennel area was completely destroyed. In addition to the dogs that were killed and injured that day, an employee was also taken to local hospitals to be treated for smoke inhalation.
Also in March 2015, a beloved dog was attacked by another dog in the boarding kennel where they were both kept as his owner was away on a weekend trip. As the owner was waiting to board a plane on his way home, he received a call that his dog had to be rushed to the vet following a savage attack. By the time he was on the plane, he received a second call notifying him that the efforts to save his canine friend were not successful.
The dog had been a guest at the kennel several times for a number of years, in which cases he was loved and spoiled regularly. However, in a freak event, a larger dog attacked his dog while no one was watching.
It does not matter how careful you are about running your business and preparing a safe place for the dogs in your care, accidents happen. The best thing you can do to protect yourself, your business, your employees, your customers and the dog they love is to carry proper Kennel Insurance.
Protecting Your Dog Kennel Business With Liability Insurance
The general liability portion of your insurance policy will protect your Massachusetts business from claims made by third-parties. This is a vital part of your Dog Boarding Insurance plan because in your business, you are exposed to unique liability risks, such as:
- Personal or advertising injury - This type of liability coverage will protect you against claims of a non-physical nature, such as slander, libel, copyright infringement and invasion of privacy.
- Physical injury - This coverage will protect you if someone outside of your employment is injured on your facility premises.
- Property damage - This will protect you against claims that the actions of you or your employees caused damage to a third-party's personal property.
If any claims of this nature are brought against your dog boarding business, your general liability coverage will help with the associated expenses. You will have the financial assistance that you need to pay for your legal defense, judgments, medical bills and court settlements up to the limits of your policy. This assistance will even be available if the claims against you are determined to be fraudulent.
Protecting Your Dog Boarding Facilities With Property Insurance
In order to operate your dog boarding business effectively, you need certain equipment, business space and furniture. You will need to include adequate property coverage in your Kennel Insurance policy in order to protect this property. If your property is ever damaged by an insured event, such as a fire, tornado or theft, this is the portion of your insurance plan that will help you recover from such a loss.
You may also choose to include business interruption coverage alongside your property insurance in your insurance plan. When your property is damaged in a covered event and you are not able to continue with business as usual for a while, this coverage will provide you with the finances to continue paying your mortgage payments, payroll and other expenses until you are able to get back to work.
Disaster can strike at any moment, so you must be prepared with proper Dog Boarding Insurance. The cost that you will have to pay in legal fees, court settlements, property damages and more is far greater than the cost of a quality policy. In addition, you will have peace of mind knowing that your business is safe, regardless of unexpected devastation. Act now before it is too late.