Dog Trainer Insurance in Vermont
What is dog trainer insurance?
While training dogs can be rewarding both personally and financially, trainers should consider the risks that working with dogs presents. Dog trainer insurance can help Vermont trainers protect themselves from many liability and property perils that they’re otherwise exposed to.
Dog trainer insurance offers dog trainers affordable access to important commercial insurance coverages. Most policies come with a combination of liability and property protection.
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What Vermont professionals is dog training insurance for?
Most Vermont professionals who offer dog training should have dog training insurance. Trainers may need insurance for individual training, group classes and other sessions they offer.
Professionals who do other types of work with dogs might have similar insurance needs, but sometimes coverages have to be adjusted slightly. An insurance agent who specializes in dog training insurance can help determine which specific insurance policy is right for different professionals.
What coverages are available through dig training insurance policies?
Dog training insurance policies typically provide a combination of property and liability coverages, Some examples of coverages that these policies might come with include:
- Commercial Property Coverage, which might protect equipment, supplies and buildings
- Inland Marine Coverage, which might protect equipment as it’s moved between locations
- Commercial Auto Coverage, which might protect work vehicles
- Business Income Coverage, which might protect against certain sustained revenue losses
- General Liability Coverage, which might protect against basic accidents at facilities or during classes
- Professional Liability Coverage, which might protect against mistakes when giving instruction
- Product Liability Coverage, which might protect against injuries or damage caused by sold products
- Commercial Umbrella Coverage, which might provide extra liability protection for large claims
What is care, custody and control coverage?
Dog trainers who take temporary possession of the dogs that they work with likely need care, custody and control coverage. CCC coverage generally safeguards against various accidents that could happen while a dog is in a trainer’s custody. For instance, the coverage may extend to injuries, loss and/or death of the dog.
Do dog trainers need workers’ compensation coverage?
Workers’ compensation coverage broadly protects against workplace accidents that result in injury, often including dog bites and similar accidents. The coverage is normally required for businesses that have employees.
Many dog trainers work as solo business owners, however, and workers’ compensation might not be required in a self-employed situation.
Self-employed trainers should see guidance from an experienced insurance agent as to whether they should get workers’ compensation coverage. An experienced agent who’s familiar with dog training policies will be able to provide trainers with an informed recommendation.
How much do dog training policies cost?
The premiums charged for dog training policies are based on many factors and thus vary from one situation to another. A trainer’s primary location, the scope of work, dogs worked with, and past claims history are only a few of the entails that can affect rates.
Trainers who would like to explore rates in more detail can do so with an independent insurance agent. Independent insurance agents aren’t obligated to promote any specific insurance company and therefore can help trainers fairly compare policy coverages and costs from multiple insurance companies.
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For questions or concerns, please contact our independent insurance agents.
Office: 41 IDX Drive, Suite 135
South Burlington, VT 05403
Office: 158 Lake St,
St Albans, VT 05478