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.

Does a business insurance policy cover wildlife rescue? The short answer is yes business liability insurances can cover wildlife rescue, you will need to check your policy as insurance cover varies. Policies may only give limited cover in limited situations. It is more common these days for organizations to seek out specialist wildlife rescue insurance cover to specifically cover wildlife rescue organizations and its volunteers and employees.


Summary of a typical insurance

A typical wildlife rescue insurance policy will cover any employee engaged in animal rescue on behalf the organization who holds the policy. The employee has a responsibility to act and behave in a responsible manner and take all due care.

Wildlife and rescue insurance will take into account, and in most cases, cover a member of the public who is asked by the insured to assist in the rescue of an animal. In this instance, the member of the public would be classified as one of the organizations volunteers, and therefore covered by the wildlife and rescue policy. Indeed anyone who helps your organization for a specific event will be classified as a volunteer and covered by the policy.


Common provisions

Members of the public who transport animals to a veterinarian are covered by the policy. A licensed care giver is covered by the policy. A marksman is covered by the policy providing that the marksman has a firearms license and a registered weapon. Only suitably qualified persons are covered by the policy to rescue snakes. Only persons vaccinated against lyssavirus can handle bats and be protected by wildlife rescue insurance policy. Health and safety regulations must be adhered to in relation to rescuers and the animals being rescued.

The above is only an example of what wildlife rescue insurance might cover and policies will vary from one company to another.

The hard economic times has made it necessary for need of business to increase the directors and officers insurance. The liability insurance can help protect them from losses incurred through wrong accusations. If you are in animal welfare organizations it is important to be covered by this insurance policy. Experts in this kind of insurance are able to understand the exposure you are put through each day and how they can provide protection to shield you. You will be openly shown the insurance consideration and risks that volunteering or being the directors or officers will expose you to.

It makes you aware of your legal responsibility either as a volunteer or officer and consider how you are insured so to be protected sufficiently. It is important to be aware of all the risks that come with being animal handlers. As a volunteer or officer you will be responsible for injuries or damages that are either caused by the animal or you. With the liability insurance you can protect yourself against these risks. Whether the claim will be honored when submitted will depend on the terms and conditions.

It is important you consult your insurance provider to discuss the insurance that is right for you and the forms that you will have to fill out. Pet business can be faced with so many claims and blames and the directors and officers insurance has been developed in a way owners can sleep easy and have better insurance for their business. The packages are different but they will cover you in relation to issues that arise from handling the animals.

Your equipment and tools are also covered by the insurance policy as a result of damage or loss as result of a storm, malicious damage, riots, explosions and fires among many others. Professional indemnity can be extended to cover liabilities that have been incurred by any of the employees and volunteers. The directors and officers liability insurance is evolving from just covering the two groups of people. It can now cover also acts that have been committed by your volunteers, employees and trustees. It is important that the needs you need to be covered are discussed in advance so as to know the options available.

Animal Shelter Insurance

March 18, 2013

Your animal shelter provides an excellent service to our furry friends in need. However it is also at risk of lawsuits stemming from many different sources. Here is how you can protect your shelter from such risks and keep your doors open with specialty animal shelter insurance plans.

Keep Your Doors Open

Animal shelter accident and health insurance allows your organization to stay open so that you can continue providing your services to the community. Since some temperamental animals can be a risk to staff, volunteers and visitors, you need to protect yourself from a lawsuit that could close down your organization. Animal shelter liability insurance prevents this.

Protect Yourself from Non-Animal Risks

While protecting your organization from lawsuit risks due to animal bites or scratches, you also need to protect organization leaders from lawsuits and allegations from volunteers or former employees. It’s hard to imagine that someone would want to bring harm to an organization that only gives back to the community, but it can happen nonetheless.

Protect Your Property and Employees
Animal shelter liability insurance will cover your organization if another is harmed on the job. However, it will not protect your employees or the building you use. Accident & health insurance keeps your organization safe by covering property damage, worker’s compensation and equipment coverage. Many animal shelter insurance policies are designed to protect from such accidents.

Prevent Criminal Losses
Even though your animal shelter actively works to rescue animals in need, unfortunately it is still a target for criminal activity. Accident insurance covers any losses you may experience from a break-in or any other crime that is committed on your premises. If you are concerned about your shelter’s crime risks, discuss your concerns with your agent.

Keep Staff and Leaders Healthy

Your animal shelter may depend on a small staff in order to operate. Any time an employee is sick or has to miss work your shelter takes a hit. Health insurance for your staff keeps your employees healthy so that they can continue to work for your organization, and protects them from illness and injury.

When it comes to insuring your animal shelter, there are many things that need coverage. Discuss all your concerns with your insurance agent and you can find a plan that covers all your needs. Do not overlook the role of accident & health insurance when it comes to your animal shelter.



Choosing a pet is a very important decision for any household or individual, as a prospective owner often considers their new animal a valued family member. This devotion includes spending money on nutritious food, comfortable living quarters and regular visits to the veterinarian.

Even the most ideal living arrangements can abruptly end without any notice, and the pet is sent to an animal rescue center. These places provide a valuable service to all involved. An animal rescue center opens its doors to pets that can no longer be cared by their owners due to unforeseen circumstances.

Usually taking a risk of this nature does have the potential of financial liability for the animal rescue center, as the director must have the proper written protection in place for the facility. The harsh reality is an animal rescue center is a business, and you must have supplement coverage added to your original insurance agreement.

Take Inventory

To come up with a sufficient animal rescue insurance package, you must take a closer look at the equipment that’s housed inside the center. Also, you must take into consideration the type of animals that are currently living on the premises, as some of the species (tropical snakes and chinchillas) are attractive targets for thieves.


Well, they have high value on the black market.

The Animal Rescue Location

The location of the animal rescue center will come into play when the insurance company makes their final decision, as the area might be considered a high crime rate district. Insurance companies might request you to install a secured wall or fence around the property. Others might require you to place video cameras all throughout the facility. Also, you will have to decide whether or not the animal rescue center should be open to the general public all year round.

Talk to Other Animal Rescue Centers

It’s very important that you contact other animal rescue centers in the area, and get their input on the different insurance plans available. Remember to ask them two questions: What’s their protocol in the event of a dog bite or some other animal-related accident? Do they have adequate insurance coverage in case of property damage or theft? Their answers could help to keep the doors of your business open.

A good insurance plan will allow an animal rescue center to outline their mission, aspirations and goals for the future more clearly.

Families are a huge responsibility. Providing food, clothing and shelter to your loved ones is a given, but you want them to be covered from sickness or injury. Having health insurance for your wife, son or daughter makes a lot of sense as well as having personal liability insurance on your homeowner’s policy, but what about your dog or cat? They can be just as much a part of the family. Having them protected in the same way as your kids can be reassuring, but is it worth it to you? Here are some things to consider.

1. Your Pet’s Lifestyle.

Do you travel often with your dog? Taking your dog on car rides or frequent walks will usually do no harm (and will make your best friend happy). Still, there is the off chance that accidents like a car wreck or an attack from another dog can happen at any moment. Health insurance of dog liability insurance will come in handy, and ease the burden of otherwise costly vet bills or lawsuits.

2. Can I Afford It?
Depending on your animal, having health insurance can be pretty inexpensive. Insurance for a single cat can be as little as 18 dollars a month. However, having a breed of dog that is deemed dangerous (like a pit bull), can run you more money. Accidents can happen and they can cost a lot of money. While insurance on your dog may be expensive, fines or vet bills are too. Insurance can soften the blow.

3. What Does It Cover?
Depending on what the perks of the plan you sign up for may be, the plan could not be worth it to you. For instance, many pet health insurance plans will cover vaccinations, but may not help much when it comes to more serious matters. Dog liability insurance policies will help protect you financially in the event your dog is involved in an attack. It is best to research what an individual plan has to offer, and find one if it is right for you and your pet.

A pet can be a joy to have, but they also come with financial and social responsibility.  Pet insurance can help ease that stress. Do your research and find what’s best for you.

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.

Animal Shelter liability insurance is essential if you are interested in opening up an animal shelter. Animal shelters house stray, lost, and abandon animals – mostly dogs and cats – for an extended period of time. There are several things to consider – the main one is your love for animals. You have to be an animal lover, and should have at least some training or experience in dealing with animals before you consider opening an animal shelter.

When choosing animal insurance for your shelter, your passion for animals and your business should be considered as well. Animal insurance is not just for pet owners. Most business owners invest in some sort of insurance to cover for losses and things that occur unexpectedly. If you are contemplating opening up an animal shelter, you will need to have some sort of insurance in place. Although your love for animals and taking care of them may be your first concern, getting the right type of insurance is essential because this is also a business venture.

There are a number of things to consider when searching for animal insurance for your shelter. There are the typical things that need to be covered like any other business – insurance for employees, fire and theft insurance, and insurance for your equipment. You will also need to consider some sort of liability insurance if something unfortunate happens to the animals in your care, especially those that have been adopted by someone.

For example, if a person adopted a dog or cat from your shelter and brings in their animal for necessary follow-up shots offered or required by your shelter and during the visit the animal is injured from either your negligence or some unforeseen occurrence, you will need to be insured to cover any expenses that may occur or any lawsuit that may be filed by the pet owner.

Be sure you conduct a thorough research for the insurance company that is right for your animal shelter. Compare companies, rates, advantages and disadvantages so you can make the right decision to protect your shelter with the best animal shelter liability insurance available.