https://completemarkets.com/company/colonialgeneral/Animal-Services-Insurance/
Policy Highlights:
Colonial General Insurance Agency, Inc. offers a targeted Animal Services Insurance program for businesses that care for, board, groom, train or sell household pets. The program is designed for animal shelters, boarding and breeding kennels, pet stores, grooming salons, training facilities and similar pet service operations. Policies are available on a mono-line or package basis and can include property, general liability, crime, and optional excess/umbrella protection to fit the account's needs.
Ideal Accounts and Appetite:
This program fits small to mid-sized animal service businesses that have routine care, custody, and control exposures for household pets. Typical examples you can place with Colonial General include:
• A grooming salon that also offers overnight boarding
• A boutique pet store with an in-store daycare or play area
• A regional animal shelter seeking combined property and liability protection
Accounts involving exotic species, wildlife, or known aggressive/high-risk breeds may be considered only with additional underwriting review and subject to restrictions or exclusions.
Commercial General Liability Coverage Available:
• Primary limits available up to $3,000,000 Occurrence/Aggregate
• Hired and Non-Owned Auto Liability available
• Excess or Umbrella limits up to $25,000,000
Included Coverages:
– Medical Payments Coverage—$5,000 limit
– Additional Insured endorsements at no extra charge
– Property Damage Extension (Care, Custody, and Control)—$500 Occurrence / $1,000 Aggregate (higher limits available upon request)
– No deductible required for the listed liability extension (deductibles may apply on property or package forms)
Crime Coverage Available:
• Inside the Premises—Theft of Money and Securities
• Inside the Premises—Robbery or Safe Burglary of Other Property
• Outside the Premises (employee or third-party theft exposures)
Property Coverage Available:
• Building and Business Personal Property
• Business Income and Extra Expense
• Accounts Receivable and Valuable Papers
• Care, Custody, and Control for animals in your insured's care
• Computer Equipment and Equipment Breakdown
• Inland Marine and Outdoor Signs
• Basic, Broad, or Special Form; Replacement Cost or Actual Cash Value options
Underwriting Notes:
Colonial General places business with a mix of admitted and non-admitted markets depending on the risk profile and state. Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Minimum premiums and eligibility vary by class, limits, and coverages selected—refer submissions to underwriting for state-specific guidance and quoting.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General specializes in niche programs for hard-to-place accounts. Agents benefit from their access to multiple carrier partners, flexible underwriting, and regional expertise across the Mountain West and Southwest. Colonial's program is useful when you need tailored care, custody & control wording, higher limits, or E&S capacity that admitted markets may not offer. If you have a client with mixed operations (retail, grooming, and boarding) or an animal shelter with unique property and liability needs, Colonial provides options to help place the account.
You might have a client who runs a combined grooming-and-boarding salon looking for liability limits above a typical market, or a non-profit shelter needing a property and liability package with CCC coverage — Colonial can often offer workable terms where standard markets cannot.
Frequently Asked Questions
What types of accounts are a good fit for this Animal Services Insurance program?Ideal accounts include pet groomers, boarding kennels, animal shelters, pet stores, and dog training facilities that primarily serve household pets.
Is the program available for businesses in all states?No, this program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I offer just liability coverage without property?Yes. Both mono-line liability and package policies are available depending on the insured's needs.
Are higher limits available for Care, Custody, and Control coverage?Yes. Higher CCC limits can be added upon request and subject to underwriting approval.
Does the program accept accounts with exotic or aggressive animals?Exotic species, wildlife, and known aggressive breeds are reviewed case-by-case and typically require additional underwriting; some risks may be declined or offered only with exclusions.
Need help placing an account? Connect with a market specialist.