Pet Shop Insurance Tailored for Small Retailers & Animal Experts 
What types of insurance does a pet shop need?
Get Trusted Pet Store Insurance to Cover Inventory, Equipment & Liability
Running a pet shop means caring for animals, managing inventory, and serving customers, all while navigating potential risks. Pet shop insurance protects your business from incidents like property damage, customer injuries, or pet-related accidents. Whether you own a boutique store or a full-service shop, the right pet store insurance helps keep your business, animals, and customers safe.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Does Pet Shop Business Insurance Cover?
Pet shop business insurance includes a range of coverages designed to protect your store from common risks such as third-party injuries, property damage, and legal fees.
Key types of pet shop insurance to consider for your pet shop business include:
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General Liability Insurance – Covers third-party property damage or bodily injury
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Business Owners Policy– General liability and business equipment coverage all in one.
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Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
- Cyber Liability Insurance – Safeguards against digital threats, ransomware, and data breaches.
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Commercial Auto Insurance – Covers accidents, injuries, and property damage involving company vehicles.
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Professional Liability (E&O) Insurance – Protects against client claims of mistakes, omissions, or negligence.
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Product Liability Insurance – Covers claims of injury or damage caused by products your business makes or sells.
Why Does My Business Need Pet Shop Insurance?
Even the friendliest pets and best-run stores face risks. Common challenges that pet shop insurance can protect against include:
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Animal-Related Injuries – Bites, scratches, or allergic reactions can lead to medical claims.
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Property Damage – Pets can knock over displays, chew furniture, or soil flooring.
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Employee Injuries – Lifting heavy pet food bags or handling anxious animals can cause accidents.
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Theft & Vandalism – Stores are vulnerable to stolen merchandise—or in some cases, stolen pets.
How Much Does Pet Shop Insurance Cost?
Pet shop insurance costs can vary, but generally, Gild Insurance customers’ policy coverages start at $500 annually.
Here are a few factors that influence the cost of pet shop insurance:
- Location
- Services offered
- Business size and revenue
- Employee count
- Claims history
The best way to find your pet store insurance cost is to get a free, online quote in minutes!
How To Get Pet Shop Business Insurance With Gild?
At Gild, we focus exclusively on small businesses. That means every policy, recommendation, and conversation is tailored to the unique needs of business owners like you.
Our goal is to make pet shop business insurance simple, affordable, and effective so you can focus on growing your pet service business with confidence.
Here’s why pet store owners choose us:
- Hassle Free: Get your free, online quote in minutes!
- Tailored Coverage: We design policies specifically for small businesses, whether you are a mobile groomer or managing a small team.
- Affordable Protection: We compare options from top carriers to deliver comprehensive coverage that fits your budget.
- Small Business Expertise: Because we only insure small businesses, we understand your challenges and build solutions that truly protect you.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Pet Shop Insurance Today!
With pet shop insurance from Gild, you’ll have peace of mind knowing your animals, your customers, and your operations are protected. With Gild, you get more than a policy. You get a partner who understands the work you do and helps keep your business safe from nose to tail.
Frequently Asked Questions
Pet shops combine elements of retail and animal care, which means you need multiple layers of protection:
- General Liability – Covers customer injuries and third-party property damage.
- Professional Liability (E & O) – Protects against claims that your advice, services, or recommendations caused financial loss or harm.
- Commercial Property Insurance – Protects your building, fixtures, equipment, and pet supplies from fire, theft, or storm damage.
- Animal Bailee Coverage – Specialized coverage for live animals in your care, custody, or control.
- Workers’ Compensation – Required in most states if you have employees; covers injuries like bites, scratches, or strains from lifting heavy inventory.
- Business Owner’s Policy (BOP) – Bundles liability and property coverage, often with business interruption protection.
How much does pet shop insurance typically cost per month or year?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does pet store insurance cover live inventory, customer injury, or product liability?
Yes! With the right policies in place:
- Animal Bailee Coverage protects animals in your care against injury, illness, or theft.
- General Liability covers customer slip-and-fall injuries and accidents in your shop.
- Product Liability protects against claims if food, toys, or other items you sell cause harm to pets or people.
- Commercial Property Insurance protects your retail stock and equipment from theft, fire, or other covered events.
Do pet shops need cyber insurance?
Yes! Especially if you sell products online or store customer payment information. Cyber liability insurance can help protect against:
- Data Breaches – Covers costs of notifying customers and providing credit monitoring.
- Cyberattacks – Covers recovery expenses from malware or ransomware.
- Fraudulent Transactions – Helps protect your bottom line if payment data is compromised.
With more pet stores offering e-commerce and loyalty programs, cyber insurance is becoming a smart addition to core coverage.
Let's Get The Best Insurance For Your Business!
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