Dog trainers face risks from working with live animals in public and private settings. Core policies include:
- General Liability – Protects against third-party injuries and property damage, such as a dog knocking someone over during a session.
- Professional Liability (E & O) – Covers claims that your training advice, methods, or services caused financial loss or failed to deliver expected results.
- Animal Bailee Coverage – Covers veterinary costs if a client’s pet is injured or lost while under your supervision.
- Commercial Property Insurance – Protects your training space and equipment against fire, theft, or vandalism.
- Workers’ Compensation – Required in most states if you hire employees; covers bites, strains, or other workplace injuries.
- Business Owner’s Policy (BOP) – Combines liability and property coverage, often with business interruption protection.
