Tips to Purchasing Insurance for Animal Rescues

March 4, 2013

Animal rescue insurance is important for anyone considering starting their own animal rescue as lawsuits could happen even for a nonprofit organization. There are at least six things to consider when purchasing insurance for your animal rescue. You need to consider all areas of the organization that you want covered by the insurance. For example, think about the property, employees, volunteers, and directors along with general and umbrella liability. These all factor into what are important to cover when running an animal rescue.

General liability insurance is vital to running your business. General liability insurance will provide coverage for visitors that may get injured and special adoption events that you attend.
Workers compensation will cover the accidents that occur while employees are working on the job and the medical bills will be paid along with any disability that may occur. Financial oversight, harassment, and discrimination may become an issue and by having coverage for directors and officers will help protect your organization from lawsuits from employees.

Two other things to consider when purchasing insurance for your animal rescue is the business auto liability and volunteer medical coverage. The auto liability portion of the insurance will cover the automobiles used during transportation of the animals including the driver and any workers that may be in the vehicle at the time of an accident. Medical coverage for the volunteers will offer medical coverage for those that may be injured during their volunteering services. You will be able to protect your company from any lawsuit from volunteers that claim they got hurt while helping voluntarily.

Animal rescue insurance is important for anyone considering opening their own organization. Consider these six areas to cover with the insurance to not only protect yourself but the organization as a whole.

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