Pet shops combine elements of retail and animal care, which means you need multiple layers of protection:
- General Liability – Covers customer injuries and third-party property damage.
- Professional Liability (E & O) – Protects against claims that your advice, services, or recommendations caused financial loss or harm.
- Commercial Property Insurance – Protects your building, fixtures, equipment, and pet supplies from fire, theft, or storm damage.
- Animal Bailee Coverage – Specialized coverage for live animals in your care, custody, or control.
- Workers’ Compensation – Required in most states if you have employees; covers injuries like bites, scratches, or strains from lifting heavy inventory.
- Business Owner’s Policy (BOP) – Bundles liability and property coverage, often with business interruption protection.
