Ideal Accounts and Appetite
- Household pet-focused businesses
- Animal shelters and rescue organizations
- Boarding and breeding kennels
- Pet stores and retail operations
- Pet grooming and training services
- Other pet-related service providers
This program is best suited for businesses that primarily serve domestic pets. If you have clients operating facilities such as a multi-unit grooming center or a regional animal shelter, this coverage is built to support their risk profile.
Coverage Highlights and Advantages
Backed by a carrier rated A+ XV by A.M. Best, Cochrane & Company's Animal Services Insurance provides comprehensive protection, including:
- Primary General Liability: Limits up to $3,000,000 Occurrence/Aggregate
- Excess/Umbrella: Limits available up to $25,000,000
- Hired and Non-Owned Auto Liability
- Medical Payments: $5,000 per occurrence
- Property Damage Extension: Care, Custody, and Control coverage with $500 Occurrence/$1,000 Aggregate (higher limits available)
Property Coverages:
- Building and Business Personal Property
- Business Income
- Basic, Broad, or Special Form options
- Replacement Cost or Actual Cash Value
- Equipment Breakdown and Inland Marine
- Computer Equipment, Accounts Receivable, Valuable Papers
- Outside Signs
- Care, Custody, and Control extended property coverage
Crime Coverages:
- Theft of Money and Securities inside the premises
- Robbery or Safe Burglary of Other Property
- Coverage for incidents outside the premises
Underwriting Notes and Minimum Premiums
Minimum premium varies based on account size, operations, and selected coverage limits. Cochrane & Company’s underwriters are experienced in animal service risks and are available to guide agents through submissions efficiently. Higher-risk or unique operations may be considered on a case-by-case basis.
Territories and Availability
This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. The program is written on a non-admitted basis across all available states, offering the flexibility to address specialized risks.
Why Work With Cochrane & Company?
Cochrane & Company brings deep expertise in niche and hard-to-place risks, with a strong focus on delivering responsive service and customized insurance solutions. Their Animal Services Insurance program is supported by top-rated carriers and designed to give agents the tools they need to protect clients in the pet industry effectively. Whether you're placing a small grooming shop or a larger kenneling operation, Cochrane & Company offers the flexibility and underwriting knowledge to help you succeed.
For more information on Animal Services Insurance, please contact us!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for pet-focused businesses such as kennels, shelters, grooming shops, pet stores, and trainers that primarily handle household pets.
Is this program admitted or non-admitted?
The Animal Services Insurance program is written on a non-admitted basis in all available states.
Which states is this program available in?
The program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
Are higher limits available for Care, Custody, and Control coverage?
Yes, higher limits for Care, Custody, and Control are available upon request, subject to underwriting approval.
What is the minimum premium for this program?
Minimum premiums vary depending on the size and scope of the business, as well as the coverage selected.
Need help placing an account? Connect with a market specialist.