Animal shelters and rescues are important to the communities they serve. Animals come to you for care and shelter until they find a forever home. Some come from other shelters, caregivers abandon some, and others show up with little or no history of their life to date. Every animal is a priority in your daily activities. But, sometimes caring for animals is risky. In those moments, what type of insurance you purchased is critical to you shelter or rescue’s well-being.

Insurance

Few people that enjoy shopping for insurance. It can be a long and tedious task if you don’t have an agent that fully understands what you do every day. Finding the right insurance is the first step to being able to properly care for animals in need. Most animal shelters or rescues know they need general liability insurance and directors and officers insurance. There are other insurance coverages that help protect you too. Animal care custody and control liability is often overlooked and excluded from most policies.

What is animal care custody and control liability insurance?

Animal care custody and control liability protects your animal shelter or rescue if somebody sues you for an injury or death to an animal. It is a critical coverage that you can add on through an endorsement to your liability insurance policy.

Why do I need animal care custody and control?

Some animal shelters and rescues think they don’t need this coverage because they don’t knowingly take in someone’s animal. But, animal shelters and rescues have been the victim of lawsuits and needed animal care custody and control to protect them. Here are two common scenarios where this coverage can help.

Owners change their minds.

We’ve all seen it happen. Previous owners abandon their four-legged family member and make the right decision by leaving him/her in your care. A few days pass by before they return wanting to reclaim their pet. What happens if the cat, dog, or horse get sick or run away in that short period of time. Who is responsible? If the family sues your organization, are you protected?

It depends on who the court declares as the rightful owner. In some cases, signed releases are not recognized as valid in a court of law.

Lost pets.

What happens when somebody finds a roaming animal and brings it to you? It’s not theirs and they are looking for a place they know will care for the animal until the owners can be contacted. Plenty of shelters and rescues accept these animals into their care and hope to reunite them with their family.

 

What happens if they run away or passes away in your care before the family comes to pick the animal up and return home? The family may decide to file a lawsuit and say the death or disappearance of their animal is your fault.

In both cases, general liability insurance won’t cover defense or settlement expenses unless you purchased animal care custody and control coverage. Contact your insurance agent today to add this valuable coverage to your policy. If they don’t offer it, contact an insurance agent that specializes in animal shelter and rescue insurance.