As a professional and a small business owner, you balance two very different roles: delivering services that your customers have come to count on while also managing all the logistics of running a small business. You have unique opportunities—as well as unique risks due to the many hats you wear each day.
Coverages – highly recommend to Veterinarians & Pet Care Providers!
Advertising and Reward Expenses for Recovery of Animals – Provides up to $2,500 per occurrence for advertising expense and rewards to aid in the recovery of animals in your care that escape or are stolen (includes maximum of $500 or actual cash value of the animal, whichever is less, for non-employee rewards for information leading to the animal’s safe recovery).
Animal Coverage – Provides up to $5,000 per animal and $50,000 per covered loss for direct physical covered loss to animals in your care, custody or control resulting from a covered peril. This coverage is subject to a $200 deductible.
Animal Damage – Will pay up to $2,500 for sudden covered loss or damage to buildings or business personal property or personal property of others caused by domestic animals in your care, custody or control.
Off Premises Utility Interruption – Covers damage to any supplies or property caused by a utility failure that occurred off of the insured premises.
Employee Dishonesty – These claims are usually difficult to detect and go unnoticed for some time. Make sure you have this coverage for these costly claims.
Data Compromise / Cyber Liability- Covers the expenses to notify your customers and for any damages they are awarded after their personally identifiable information is stolen through a data breach.
Business Interruption / Loss of Business Income- Covers the income that you may lose if you cannot operate your business because of a covered claim.
Additional Insurance for Your Business Needs
Commercial Auto Insurance – Covers your vehicles while being used for your business. If vehicles used by a company are allowed to be on a personal auto policy then why did insurance companies ever create a commercial auto policy? This is one of the biggest mistakes we see businesses make with their insurance. Make sure your business and vehicles are on the proper policy with the coverage your business needs.
Workers Compensation Insurance – covers injuries that your employees suffer at work. If you have any employees, you need workers compensation insurance, because you are responsible for your employees’ wellbeing.
Group Benefits – you can offer accident, disability, critical illness, and life insurance to your employees for little to no cost for your business.
Employment Related Practices Liability – Protects your business from lawsuits by employees for things like sexual harassment, wrongful termination, or discrimination.
Employee Benefits Liability –Covers any errors made by an employee administrator of your employee benefits program.
Directors & Officers Liability –Protects the company as well, covers legal fees, settlements, and other costs. D&O insurance is the financial backing for a standard indemnification provision, which holds officers harmless for losses due to their role in the company.
Commercial Liability Umbrella Insurance- Provides additional coverage in the times that your business policy, commercial auto, or workers compensation is not enough coverage.