The dog trainer business is highly specialized and very competitive. You often have dogs and owners as clients that do not fully understand safety and obedience. To protect yourself and work towards building a competitive advantage, you should have dog trainer insurance.
Many things can go wrong during a dog trainer’s day, with many that can expose you to financial risk. For example, a dog you are training could become injured. Or a dog could bite you, another dog, or another person during your training sessions. To protect yourself from potential lawsuits, you need the insurance that a typical small business owner gets and some additional insurance specific to the dog trainer business.
General Liability Insurance
General liability insurance is one way to protect your dog trainer business from lawsuits that could be filed due to injuries or property damage occurring during your dog training operations. What if an injury occurs to a dog while you are training it? This is one of many unfortunate scenarios that can happen when you are in the dog trainer business. General liability insurance helps protect you if mishaps occur during the course of your dog trainer business.
Professional Liability Insurance
The dog trainer business’s reality is that, just like in other businesses, you can be sued for damages resulting from errors and omissions. Adding professional liability coverage will help protect you during the course of your dog training business.
Workers’ Compensation Insurance
Depending on your local laws, workers’ compensation insurance (workers’ comp) may be required for your dog trainer business. If you have employees, this insurance is a must. Workers’ comp covers expenses and a portion of salary for someone injured while on the job.
Umbrella insurance policies can help to protect you from any gaps in your overall coverage. Umbrella insurance is typically used by businesses needing to protect many assets, but can also be used by start-up businesses that have risk exposure.
Some of these issues may or may not be surprising to you. But it is important that you protect yourself with proper dog trainer insurance. It will allow you to have peace of mind while you show off your fantastic dog training skills! Set yourself apart, and assure your clients that you run a safe and sound dog training business.