When many think of animal rescue, images of pulling animals from shelters, hosting adoptive events and most importantly, finding good homes for pets in need.   While these activities are an important aspects of animal rescue, there are other details that involve the business portion of running a rescue group.

A rescue group has medical and food expenses, transport planning and fundraising activities that must be addressed.     If they have a physical location where the animals are housed or meet potential adopters, liability and hazard insurance must be purchased.   But is animal rescue insurance coverage needed if the group does not have a permanent structure for housing and visits by adopters?   Do they need coverage if the group is completely foster-based?

The answer to these questions is yes, rescue groups that are foster-based do have the need for animal rescue insurance.   

General liability insurance is needed by all rescue groups.   This type of policy will cover property damage along bodily injury and subsequent medical bills. General liability coverage can help defend your group against lawsuits, slander and libel that are outside the realm of your group’s service.

Officers and directors insurance can cover your group’s board of directors, employees and volunteers.   It can protect the personal assets of those serving against lawsuits directed towards the rescue group.  Having such a policy in place may encourage qualified individuals from serving on the board of directors or as a group officer.  This coverage can also cover the 501C organization itself against many type of lawsuits. 

While the task of purchasing insurance may not have been considered when your group was founded, it is a valuable method of protection.   Defense against a lawsuit that can costs thousands of dollars and can place personal assets of members and the very existence of your organization at risk.  Allow your group to continue on its mission of saving the lives of homeless pets by obtaining adequate insurance coverage.

A landlord may feel the need to require animal insurance as a means of limiting her liability. Landlords, although appearing to have an interest primarily in their tenants and the tenants’ well-being, actually have a greater interest in themselves and the condition of their security property, otherwise known to  the rest of us as merely  our apartment or house. Because the condition and safety of their property interests is at the top of their lists, they must take practical steps to protect that property and their own liability as the owner of the property.

Animal insurance is important because it protects landlords against two types of liability, both of which scare property owners.  Animal  insurance covers the landlord in the event of any damage caused by the animal and  covers liability the landlord may incur as a result of an injurious act of a pet.

Animal insurance covering pet damage to a rental unit can be added as a rider to a tenants regular renter’s insurance policy for an additional policy premium. Insurance which includes liability insurance covering injuries caused by the tenant’s pets can also be added as a rider to the tenant’s renter’s insurance policy in locations where that coverage is available for renters to purchase. i f a  policy purports to cover various pet related injuries, be certain that the policy does not offer such limited coverage that it becomes impracticable to give effect to that provision. Coverage for anything is available in a particular state  only when that state’s legislature authorizes that coverage

There are additional contractual ways of offering protection to a landlord in addition to requiring animal insurance coverage provided by tenants on the acts of their pets. Certain pet agreements entered into by landlords and tenants may serve to reduce risks to landlords caused by pet misbehavior but does not replace the protection of animal insurance. One of these agreements can be put into effect by clearly stating the nature of any acts the landlord is responsible for and which acts of the pet’s behavior are then the sole  responsibility of the tenant-pet owners.

Any landlord making use of a pet agreement  to assign rights and/or responsibilities relating to pets on the premises must maintain a  list of the specific pets covered b the agreement and must further be vigilant to keep the list updated.


There are many great funraisers that can help your community raise money for the local animal shelter. The poor beasts that live at the shelter need continuous care, food, and attention. There is often too little to go around, and every little bit helps keep the shelter running smoothly. Every animal deserves a shot at a great life. The sad dogs and cats that enter the shelter are often abandoned with serious medical conditions. Unfortunetly, many are put down because the cost to heal them is too high. Even healthy animals are put to sleep because of overcrowding. However, all that can change with a fundraiser that helps keep every animal happy and healthy until they find a permanent home.

A Benefit Dinner

Organize a benefit at a swankly location in town. Ask for donations for a silent auction that will raise even more moneuy. You can even try to get a local celebrity to say a speech about their love for animals. This could attract more preople to the benefit. Hire the best band and caterer in town to keep people entertained and satsified all nightr long. Offer a cash bar where people can donate whatever they like to help keep the costs of the animal shelter down. If you get the alcohal dontated, then every penny made on top will go directly to the shelter.

Your city hosts a plethora of benefits; therefore, you need to think of a way to make your stand out. It is for a good cause, and most people love any excuse for a party. However, a unique theme could make it even better. For example, a masquerade never goes out of style. You could even host a Monte Carlo themed event with gambling tables all around. This will be a night that nobody forgets, and it will raise an incredible amount of money for the shelter if done right.

The Great Raffle

A raffle is one of the easiest fundraisers around because it costs very little to pull off. All you have to do is buy a big ticket item. The prize could even be donated if you ask the right people. All you will have to pay for is tickets and advetising. This is much less than organizing an event, and it could raise the same amount of money too. Hopefully, a combination of these ideas will help the animal shelter.

When you signed on as an employee, a volunteer or a member of the board of directors at your animal shelter no doubt your main concern was providing a valuable community service and taking care of animals in need.  You planned to use your time maximizing your organization’s resources to their best end. So, why are you spending precious time and energy reading about insurance?

In these difficult economic times, it is tempting to buy a cut-rate insurance policy or to skip insurance altogether when you are budgeting for a lean, non-profit.  Don’t fall to temptation. Insurance protection for an animal shelter is as important as providing healthy food for the animals.  Every person involved in or with your group needs and deserves the right kind of protection. Not providing thorough protection puts not only your organization but many individuals at risk.

Animal shelter insurance covers several things that are not covered by the average insurance policy.  When you are researching insurance ask the following questions:

  • Are all dog breeds covered?
  • Are volunteer accidents/injuries covered?
  • Are fostered and adopted animals covered?
  • Are special events and fundraisers covered?
  • Are vehicles owned by the shelter covered and who may drive them?
  • Are board directors and officers covered?

If these particular items are not covered, consider the risk a lawsuit poses to your organization’s finances and, perhaps, its very existence. Board directors and officers give much to your group in terms of time, financial support and community connections. If they are not covered by the organization’s insurance, their personal assets are at risk. Good employees and volunteers are difficult to find and train. They deserve to be covered in case of an accident. The same holds true for your foster parents and families who adopt animals from your shelter.

Searching for animal shelter insurance has no warm and fuzzy appeal yet, it might be the most important step you take toward protecting your shelter and helping it provide the best possible service to the animals and your community. If you are uncertain of your group’s current insurance situation don’t wait to bring it up at the next staff or board of directors meeting. Knowing you’re fully covered will give you the peace of mind to focus fully on your mission.


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.

It is no surprise that energy costs a lot of money .One of the critical areas that tend to consume a lot of energy are animal shelters. It is estimated that shelters for animal, make up a high percentage of your monthly   energy costs.  Here are some of the major strategies of hoe you can save money on energy costs.

Use energy efficient light bulbs

One of the fastest ways to save money on energy consumption is by replacing incandescent lights with energy efficient compact fluorescent. Using the compact fluorescent allows you to save about two thirds of your total energy compared to the normal incandescent bulbs. For your  animal  residence consider installing  automatic  timers that will a  turn off the lights automatically after a  given  amount of time just  in case you forge to turn them off.

Seal and insulate.

Having a well insulated animal house will allow you to spend less money on heating and cooling. Take time to look if your attic is unfinished. If you can see them, consider adding more insulation to help reduce energy loss. Do not forget to   fill in and seal any holes in your exterior walls such as holes where   pipes penetrate the house.

Keep your filters clean

Keeping your filters will also help you save your money by cutting your monthly energy costs. Consider changing those filters on a regular basis. Manufacturers will advice you to do it quarterly, half or every month.  This will help to keep the unit operating at high efficiency therefore consuming less energy.  Always empty your lint filters on your regular dryer after every use.

Keep the doors closed.

Animal such as chicken require keeping warm at night.  Does not waste energy by keeping the door open even at the late hours of the night? Closing the doors early will allow you to retain some heat that had probably gained during the hot or making the house to heat up faster. Make sure open windows are shut. All   these little efforts will help you conserve energy by reducing heat loss.

Make use of your surrounding

Having tree strategically located will help you to cut down heating and cooling costs. Positioning large deciduous trees  can help reduce  cooling cost  up to  25%. Since these  trees  lose their leaves they allow the  sun  to  warm your animal shelters while still keeping the air cool.

A dog is considered to be man’s best friend. Traditionally, dogs make the perfect companion for the whole family. Still, while your dog (no matter what the breed), may be perfectly friendly and loving towards your family, incidents may arise that provoke your beloved family member. No one suspects their dog to attack others, but incidents like these are known to happen.  Unfortunately, local governments are not usually forgiving of the situation and make it difficult for families to keep their pets in situations like these. Very few people are prepared for such a situation. Many of these people do not know that dog bite insurance exists, and it can help protect their family in such a situation.
If your dog bites or attacks an individual and the bite is bad enough to require medical attention, then the hospital will report it. If they call the police, then the dog may be taken away, and will likely be put down unless you have insurance on the dog. If you have home owners or renter’s insurance, events like these are normally excluded, leaving you open to a lawsuit or loss of your dog. A victim (or the dog’s owner in some cases), may be more inclined to forgive your dog’s behavior it their expenses are covered.

Dog bite insurance can purchased to protect you and your family from events such as these. No one can ever foresee bad things happening, and when they do, it is better to be prepared. If you own a dog, then it may be in your best interest to check with your agent today, and see if you have dog bite insurance. When the unimaginable happens, you will be glad you did.


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.