Animal Bailee Coverage in Pet Boarding Business Insurance Explained
- Feb 11
- 2 min read
For pet boarding business owners, protecting the animals in your care is just as important as protecting your property. That’s where animal bailee coverage comes in. Often included in pet boarding business insurance, this specialized coverage safeguards your kennel or doggy daycare if a pet becomes injured, sick, or lost while under your care.
Understanding how animal bailee coverage works is essential for every kennel owner who wants to operate responsibly and maintain client trust.
1. What is Animal Bailee Coverage?
Animal bailee coverage is a type of liability insurance that protects businesses when pets are temporarily in their custody. It covers incidents such as:
Illness or injury while the animal is boarded
Accidental death or loss
Veterinary expenses resulting from covered incidents
Unlike general liability, which covers third-party bodily injury or property damage, bailee coverage specifically addresses pets as property entrusted to your care. This coverage ensures that unexpected incidents don’t result in financial hardship.
2. Why Kennels and Doggy Daycares Need It
Dogs and other pets can be unpredictable. Even with strict protocols, accidents happen:
A dog may injure another dog during playtime
A pet may escape the facility and get injured
Illnesses can spread despite proper sanitation
3. Determining Coverage Limits
When requesting a pet boarding insurance quote, consider:
Number of pets boarded at any given time
Average value of animals in your care
Services offered (boarding, grooming, training)
Higher coverage limits may increase premiums slightly but provide essential protection for larger kennels or facilities with high-value pets.
4. Partner with an Experienced Insurance Agency
Navigating animal bailee coverage and other pet insurance policies can be complex. Working with a specialized agency ensures your business is properly protected.
At Wexford Insurance, we help pet boarding businesses and dog kennels secure tailored insurance policies, including:
Animal bailee coverage
We work with top-rated carriers to find comprehensive coverage at competitive rates.
👉 Request a free pet boarding insurance quote from Wexford Insurance today.
