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Pet Animal & Marine Insurance Coverage

Pet Animal & Marine Insurance Coverage

If you own or operate a business which deals with pets or owners of pets

, you need to carry a proper amount of insurance coverage to protect you, your family and your business from catastrophic physical and financial losses. Typically, your business would need a commercial general liability insurance policy, commercial property insurance and some inland marine coverage. More options are definitely available, but these are the basics.

Here are the coverages your insurance policy should include:

Physical damage coverage for the animals in your care, custody and control

Professional liability for your grooming operation Pet Animal & Marine Insurance Coverage


Medical Payment Expense for the animals in your care, custody and control

Inspection costs by insurance companies included in your premium

An adequate amount of coverage for your property, including building (if required) and contents

An adequate amount of inland marine coverage (your property while in transport)

Preferred Businesses Would Have:

No building coverage

No overnight kennel

Up to 30 animals per day maximum

Pet Care Services Association accreditation

Grooming operations

Retail sales operations

No more than two losses or claims per coverage part (excluding closed without payment) incurred in the past five years (liability), three years (property/inland marine)

Available Limits of Coverage:

Maximum property value of $3,000,000

Coastal Zones Maximum property values up to $500,000 per location

Liability Limits up to $2,000,000

Ineligible Businesses:

Veterinarian services

Stables

Those accepting equine or commercial animals

Those who sell products under their own label

Those who provide training for hunting, security, show or agility

Those involved in pet adoption or pet rescue

Businesses with pending or prior bankruptcies

Those with existing tax liens

Businesses with 2 General Liability losses in the past 3 years and/or risks with 2 Property/Inland Marine losses in the past 3 years

Those who located Louisiana

What is inland marine insurance coverage?

We are asked this question often. Inland marine insurance is usually a "line" of coverage added on to a policy or sometimes purchased as a stand-alone policy. Generally speaking, it covers goods in transit or projects under construction. Although its generally a type of property insurance, some classes within inland marine only provide liability coverage. It is derived from marine insurance, which covers items, whether in transit or not, while on water. Once it gets to land, that coverage ends and inland marine picks up from there.

Typically, the following types of businesses require some form of inland marine insurance coverage:

Ambulance Equipment

Amusement Rides

ATM Machines

Band Uniforms

Catering Equipment

Mobile Concession Stands

DJ Equipment

Exhibition Property

Go Karts

Golf Carts

Janitorial Equipment

Laundry Equipment

Medical Equipment

Morticians Equipment

Musical Instruments

Photography Equipment

Pool Cleaning Equipment

Radio or TV Studio Equipment

Recording Studio Equipment

Rock Climbing Wall

Scientific Instruments

Sports Equipment

Theater Property

Vending Candy/Snacks

Vending Stamps

Vending Videos

Videographer Equipment

As you can see above, all of these businesses are moving on a regular basis.

Inland Marine Product Highlights:

Discounts if in business with no losses for a minimum of three years

Discounts if items are brought back to owners place of business each day

Discounts if the business has a central station alarm

Discounts if all items are fives years or newer in terms of age

$500,000 limit of insurance Pet Animal & Marine Insurance Coverage


Limit per individual piece of equipment varies by type

$2,500 maximum limit on blanketed equipment

About Board Walk Insurance: If you are in search of insurance coverage for your pet-related business, contact Boardwalk Insurance Group today for your free quote. We offer commercial general liability insurance, commercial property insurance, inland marine insurance floaters, umbrella policies, workers comp policies and much more. Since Boardwalk is an independent insurance agency, we represent several insurance companies and insurance brokers, giving us the opportunity to shop insurance coverage for our clients. This assures you get the best deal, not only in terms of pricing, but also for the coverages you need in your specific situation.

by: Mathew Hussey
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