Pet Boarding Kennels - Dog and Cat Insurance
What is Pet Boarding Kennels - Dog and Cat?
Pet boarding kennel insurance is designed to protect businesses that care for dogs and cats while their owners are away. These facilities take on a range of responsibilities, from feeding and grooming to managing playtime and overnight stays, which come with unique liability exposures and operational hazards.
This insurance typically bundles several types of coverage to address common risks, such as property damage, animal injury, or claims related to customer interactions on the premises. Whether you’re running a small kennel or a larger boarding facility, having the right coverage is essential for managing risk and maintaining business continuity.
Who needs it
This type of insurance is essential for business owners operating:
- Pet boarding facilities
- Dog and cat kennels
- Overnight pet care services
- Pet hotels and pet resorts
Owners, operators, and even nonprofit animal care organizations should consider this coverage to help protect against unexpected events like an animal escaping or a guest pet injuring another.
If your business includes grooming services, you may also want to explore Pet Grooming Salons Insurance for more specific liability protection.
What it typically covers
Pet boarding kennel insurance policies often include:
- General liability – Covers third-party bodily injury or property damage, such as a visitor slipping on a wet floor.
- Animal bailee coverage – Protects your responsibility for animals in your care, custody, or control if they are injured, lost, or stolen.
- Commercial property coverage – Covers damage to the facility, kennels, and equipment due to fire, theft, or storms.
- Business interruption – Helps cover lost income if you must temporarily close due to a covered event.
- Equipment coverage – For grooming tools, HVAC systems in kennels, or other business-critical machinery.
Some policies may also offer endorsements for commercial auto exposure if you provide pet transportation services.
Common exclusions or limitations
Like most commercial insurance, there are exclusions to be aware of. These may include:
- Injuries to staff (covered under separate workers' comp)
- Acts of intentional harm or neglect
- Certain breeds or exotic animals not disclosed in underwriting
- Damage resulting from pre-existing facility issues
Risk management practices such as proper animal intake procedures and facility maintenance can help reduce claims.
Factors that influence cost
Several underwriting factors can impact the cost of pet boarding insurance:
- Facility size and number of animals boarded
- Types of services offered (e.g., grooming, daycare, training)
- Business location and property value
- Claims history and safety protocols
For example, a kennel that also operates as a Pet Shop or offers dog training may need broader coverage.
Proof of insurance & compliance
Clients, landlords, or local jurisdictions may require proof of insurance before allowing operations. Most providers issue a Certificate of Insurance (COI) upon policy activation. This document shows your active coverage limits and can help with lease agreements or vendor contracts.
How to get a quote
To receive a quote tailored to your operation, you'll typically need to provide information about your services, animal capacity, facility details, and safety procedures. Start your quote today and protect your business from the unexpected.
Get a Quote
Frequently Asked Questions
Does pet boarding insurance cover injuries to animals in my care?Yes, with animal bailee coverage, many policies help cover vet expenses or loss if an animal is injured, lost, or stolen while in your care. Is this insurance required by law?Requirements vary by state and municipality. While not always mandatory, many landlords or clients require proof of liability coverage. Can I bundle this with grooming or training services?Yes, many insurers offer packages that include grooming, daycare, or training exposures under one policy. What happens if a customer claims their pet was injured during the stay?If covered, your general liability or bailee coverage can help manage the claim, including legal defense and settlement costs. Do I need separate insurance if I provide pet transportation?Yes, if you transport animals, you may need commercial auto coverage or an endorsement specific to animal transport.
Still have questions? Talk to a local insurance expert.
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