Dog Kennel / Daycare Insurance
Coverage built for the concentrated risks of housing many animals under one roof.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage to clients and the public on the premises
- ✓Injury to boarded or daycare animals in your care, custody, and control
- ✓Claims arising from an animal escaping the facility or one dog injuring another
- ✓Exposure tied to illness spreading among many animals housed together
Coverage products commonly considered
Most dog kennel / daycare operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Two dogs in a daycare play group get into a fight and one is injured, and care, custody, and control coverage is intended to respond to allegations of animal-to-animal harm in the event of a covered claim.
- A contagious illness moves through the boarding population and several owners allege their pets were affected, the kind of allegation a kennel policy is generally intended to address subject to its terms.
Frequently asked questions
What makes kennel and daycare coverage different from other pet businesses?
Concentrating many animals together adds escape, animal-to-animal injury, and illness exposures that a single-pet service does not face. Kennel and daycare coverage is generally intended to respond to that broader set of claims. A licensed insurance professional can size limits to your headcount.
If one dog hurts another in daycare, what responds?
Animal-to-animal injury usually falls under care, custody, and control coverage, which is generally intended to respond to allegations that an animal in your charge was harmed. Whether a specific incident is addressed depends on the policy form and its exclusions.
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