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What is boarding kennel insurance?

Boarding kennel insurance is designed for businesses that specialize in pet boarding. If that's your industry, then you know how unpredictable animals can be - and by extension, how unpredictable operating a boarding kennel is.

That volatility is exactly why insurance is so useful to boarding kennel operators. There's always a chance that employees, as well as the pets in your care, may suffer an injury or illness, despite your best intentions. And when things like this happen, they can be incredibly costly - we're talking thousands or even hundreds of thousands of dollars.

Being found liable for professional mistakes or negligence can significantly impact your revenue. It can even force you to shutter your business altogether. But that's where boarding kennel insurance comes in.

Insurance can help pay for everything, ensuring you continue operating without a hitch. Furthermore, having insurance makes you look more legitimate to your customers, since it shows that you’re serious about your business. This may put them at ease and potentially attract more customers down the road.

What boarding kennel insurance includes

A typical boarding kennel insurance policy includes the following:

Recommended add-ons for boarding kennel insurance

If you’re not satisfied with the standard coverage for your boarding kennel insurance, you can always enhance it with add-ons. Some of the most common add-ons include:

Common types of boarding kennel insurance claims

Some claims are more common than others in the boarding kennel industry. Here some of the most common incidents that lead to insurance claims:

How much does boarding kennel insurance cost?

If you’re a small operation, run by one or two people, then your premium would probably be no more than $2,500 a year. If you run larger operation that can afford a dozen employees or more, then your insurance can be as high as $5,000 or even $10,000 per year.

That said, there are numerous factors that can affect your premium, all of which would be specific to your business. Here are some examples:

How to get the cheapest boarding kennel insurance rates

Finding the cheapest insurance rates requires a strategic approach. Here are some tips to help you secure the best deals:

Boarding kennel insurance in Canada: What you need to know

In Canada, boarding kennel insurance requirements can vary by province. It's crucial to understand local regulations and ensure your coverage complies with provincial laws. For example, Ontario has specific guidelines for kennel operation and insurance requirements.

Additionally, Canadian boarding kennels should consider coverage for extreme weather conditions. Harsh winters and unpredictable weather patterns can pose unique risks, making robust property and business interruption insurance essential.

Finally, staying informed about industry trends and emerging risks is key. Regularly reviewing and updating your insurance policy ensures you remain adequately protected as your business evolves and new challenges arise.