Compare business insurance quotes with Savvy to find the best policy for your pet business
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A love of animals unites many people who work closely with our furry or feathered friends. What all pet businesses have in common is the need for good insurance to protect not only their furry companions, but also their business interests in case something goes wrong.
You can compare quotes for all types of business insurance here with Savvy. Just answer a few simple questions about your business and the insurance you need, and within minutes you’ll have multiple quotes from a range of respected insurers to compare. Use our quick and easy comparison service to make sure you get the best-value insurance for your pet business today.
There are a wide variety of businesses and occupations that involve working with animals. For example, these include:
These types of businesses need two separate types of insurance:
This article details the insurance you should consider to protect the commercial aspects of your pet business.
Public liability insurance
Public liability insurance is essential for anyone who has contact with the public or their property. It will protect you and your business against any third-party claims that your negligent business activity caused injury to someone, or damage to their property.
You can potentially be held personally liable for any biting incident, accident or injury caused by any animal in your care. For this reason, it’s vital to have public liability insurance to protect you against third-party claims alleging an animal you own caused injury. This type of business insurance offers between $5 million and $20 million worth of cover.
What it covers:
Professional indemnity insurance
Professional indemnity insurance covers you against claims that the advice, recommendations or service you provided were either wrong or negligent. This type of insurance can offer you protection against many types of claims, including:
Cover starts at $250,000 and goes up to $5 million or more.
What it covers
General business insurance
This type of insurance may be relevant if you have a retail shop or premises and have contents or stock you wish to insure. General small business insurance can offer cover in a variety of areas including:
Commercial vehicles aren’t included, so you may need separate commercial vehicle protection for your work vehicle.
What it covers:
What isn’t covered under my insurance for a pet business?
Some of the most common general exclusions include:
There is no set cost for an insurance policy, as each applicant is different and faces unique risks. There are many factors that influence the cost of business insurance, including the following factors:
The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another.
However, because your location also plays a part in the cost of insurance, how much you’ll pay will also depend on where you live.
You’ve no doubt put in a lot of effort and worked hard to get where you are now, so it makes sense to protect all that hard work in case things do go wrong. Product liability insurance is there to protect you in case a client claims that the services you offered in your pet business fell below professional expected standards. For example, if you’re a dog breeder and claim to offer puppies free from hip dysplasia, you could be sued if one of your dogs did grow up and develop dysplasia. Similarly, if you run a dog walking business and the dog you’re exercising escapes its leash and bites a child, you could be accused of negligence.
Most contractors and small businesses have some contingency funds put aside for rainy days, but these emergency funds are rarely sufficient to cover the cost of a major catastrophe. If this happens and you have adequate insurance to protect all the important aspects of your business, you’ll have a much better chance of getting back on your feet quickly.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
