Pet Shop Insurance - How to Insure Your Pet Shop

No matter what kind of property you own, you will want to insure it. If you own a pet shop, it is likely that the insurance that covers most retailers and property owners won't be right for you. In this situation, the key is to invest in specialty pet shop insurance that will pertain to your specific needs and concerns.

There are many risks that pet store owners face that are not an issue for other shop owners. One thing that you need to think about is damage to or theft of your animals. This does happen and if the theft involves a 1200 dollar parrot, this could be a huge set back. Another thing you need to worry about is if a person is bitten or clawed by the animals in your care, or if their property, like clothing or jewelry is damaged. This can be a very touchy spot in terms of coverage and without the proper precautions, you could end up owing thousands of dollars!

Also keep in mind that a power outage could be a lot more detrimental to you than to a bookstore. If you deal with exotic reptiles, a power outage that results in an inability to maintain temperatures could be a devastating set back. A uromastyx lizard, for example, is adapted to living in the desert and needs a temperature of at least 90 degrees Fahrenheit. This is one thing to keep in mind while you are shopping for insurance.

It will be in your best interests to find a policy geared specifically for pet stores, and the industry is large enough that you can choose from several. You can even get more specific and find a policy devoted to the kind of pet that you supply. It is one thing if you have the normal array of tank pets and kibble, but if you are in a niche market like large birds or exotic fish, you will certainly be interested in the extra coverage. For almost every need and risk that is run by a pet store, you can probably find some sort of coverage for it if you look hard enough.

If you are looking for very specific coverage, you should see what it would take to write it in. Some plans will specifically address things like the malicious release of your birds, deliberate attempts at poisoning the animals, even the death or illness caused by your heating or cooling equipment failing. While not common, all of these things are problems faced by pet shops, and insurance companies are coming to realize that specialization is the key.

Shopping for insurance can be a wearying, tedious task, but it is an extremely necessary one, doubly so if you are a pet shop owner.

 

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