Animal rescue insurance is simply essential for any shelter or agency. While these centers save hundreds of dogs and cats per day, they are not exempt from legal ramifications or lawsuits. This is especially true if a person gets bitten or injured by one of these animals within their premises. Most rescue centers also double up as adoption agencies. This is a great way to find lost, abused, and discarded animals new homes. These animal welfare organizations also provide animals for other charitable and philanthropic endeavors. This includes dogs and cats that provide company for elderly and bed ridden patients.

While animal rescue insurance agencies provide a great service to the public, they must have some type of insurance. This includes property insurance, which protects their structures from fires, vandalism, and other structural mishaps. Theft insurance protects animal shelters from robberies and break-ins. Insurance is also available for all directors, managers, employees, and volunteers. This can be medical, along with dental and other benefits. Securing the right insurance, however, depends on the needs of the animal shelter or agency in question. Sadly, many organizations feel they do not need insurance because they are too small. Others believe they are exempt from lawsuits since they are providing a valuable service to the public.

If you work in or manage one of these organizations, animal rescue insurance is simply vital. Whether it’s property or accident insurance, you need coverage that will effectively protect your employees and patrons. Sadly, there are many people out there that love to sue small or big companies. Most of these people, however, are simply looking to milk your business or insurance company out of thousands of dollars. With the right insurance, however, your business will fully protected against faulty or fake claims. Insurance also covers any accidents or mishaps that occur on your property. This includes animal bites, along with fenders benders in the parking lot.

Getting Insurance for your Animal Rescue

Animal rescue organizations have a number of special concerns when it comes to ensuring the health and welfare of the animals that they care for.  Foremost among these are the costs of addressing injuries and illnesses, not to mention the need for preventative care and bite protection.  These things are all vital for the safety and well-being of small puppies that have been displaced or are otherwise in need of good homes.  Fortunately, you can secure animal insurance for your rescue organization that is offered by a knowledgeable and experienced provider.  A good insurer will have a comprehensive understanding of the unique challenges that exist in these environments, including those that lie beyond mere financial considerations.

Why You Should Get Liability Insurance

Purchasing animal insurance is vital for a number of reasons.  This coverage makes essential forms of care more accessible.  Rescued pets have a much greater chance of surviving severe injuries and illnesses, given the dramatic rise in innovative medical procedures and treatments.  Whether the goal is to promote increased survival rates or to ensure that animals are desirable candidates for adoption, access to care is nothing short of essential.

In terms of hosting fundraising events for your animal shelter, animal insurance is legally necessary.  Dog bite insurance is vital for avoiding a lot of expensive legal liability issues and for preserving the reputation of your organization.  The best companies will give you a rapid turnaround on insurance certificates and will even make sure that you have bound a plan that features the required limits and which affords you and your canine friends with optimal protection.

Searching For The Right Provider

When it comes to owning and operating an animal rescue shelter, the primary insurance concerns revolve around how to buy the right type of cover.  Those insurance companies that specialize in the provision of coverage for private parties rarely possess an in-depth understanding of the specific needs of animal welfare groups.  Coverage for these entities is guaranteed to be quite different from that of breeders or private homes with pets.  With little experience in shopping for this coverage, it is necessary for these groups to work with companies that will carefully explain the available coverage terms and features while ensuring that all bases are effectively covered.

Directors and officers who work for an animal shelter must have a unique skill set. There are many shelters that have suffered from the effects of poor leadership simply because the director had insufficient experience with animals. This not only results in poor leadership, but also gives the shelter a poor public image.

One of the most important qualities to look for in a shelter director is proven experience with animals. The ideal candidate should currently own or have owned animals in the past. Having a pet of your own provides experience that simple secondhand experience does not. When a job candidate has worked in a veterinary, kennel or shelter position in the past, this increases their level of credibility.

In addition to proven experience working with animals, a good director will also have excellent management skills. A college background in management or experience running a business will provide many of the needed skills for this sort of position. Former non-profit group directors and employees will make the easiest transition into this sort of job.

Directors and officers who work for a shelter will also need to posses certain skills that are essential for good public relations. A person in this position will have to interact with the public, as well as field questions from local reporters. It’s necessary for shelter staff to be able to patiently address any questions that members of the public may have.

Fundraising experience is an important part of managing an animal shelter. Because non-profit shelters depend on private donations and grants, it is essential to know how to keep a reasonable cash flow coming in. Job candidates who have a sense of creativity will do very well in this line of work.

Being comfortable with using the Internet, particularly social media, is another important skill to look for. A shelter director will need to perform many clerical tasks as part of their job. However, maintaining an updated website and interacting with the public and other shelters via social media is a vital part of running a successful shelter that many people overlook.

There are a lot of questions that you probably have when shopping for insurance.  What type of insurance do I need?  Why do I need insurance?  Will I need it if I am extra careful?  Even more specific, each policy can have their own questions.  Below are the most commonly asked questions regarding Directors and Officers (D&O)  insurance with answers.

  1. Why does my organization need D&O coverage?  Organization are composed of board members.  These members are at risk if a lawsuit arises against the organization.  If there is a misappropriation of funds, the board member will be protected from losing their personal assets.
  2. What does D&O cover? It covers the directors and officers of the organization against lawsuits that may arise. 
  3. Isn’t it expensive? No, it is quite affordable.  Depending on the details of your organization it can be as low as $500.
  4. How do I obtain D&O insurance?  Just give us a call, or submit a quote request through the website.