What Kind of Insurance Do I Need for a Pet Store Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 18
- 2 min read
Owning a pet store comes with unique risks—from customer injuries to property damage and equipment breakdowns. Having the right insurance coverage is essential to protect your investment and comply with legal requirements.
In this guide, we’ll break down the types of insurance every pet store owner should consider.
Why Insurance Is Critical for Pet Stores
Pet stores deal with live animals, customers, and valuable inventory. Without proper coverage, unexpected events like accidents, theft, or equipment failure can lead to financial loss. Insurance provides peace of mind and ensures your business can recover quickly.
Essential Insurance Policies for Pet Store Businesses
This is the foundation of your coverage. It protects against:
Customer injuries in your store
Property damage caused by your business operations
Legal fees from liability claims
Example: A customer slips on a wet floor and sues for medical expenses—general liability covers this.
Your store’s physical assets need protection. This policy covers:
Building structure (if owned)
Inventory and fixtures
Damage from fire, theft, or natural disasters
If you have employees, this coverage is mandatory in most states. It pays for:
Medical expenses for work-related injuries
Lost wages during recovery
Legal costs for employee injury claims
If your pet store offers delivery services or uses company vehicles, you need this policy. It covers:
Accidents involving business vehicles
Property damage and bodily injury
Vehicle repairs and liability claims
Pet stores often rely on grooming tools, POS systems, and refrigeration units for pet food. Equipment insurance covers:
Repair or replacement costs for damaged equipment
Losses due to mechanical breakdowns
If you offer grooming or boarding services, this policy protects you if an animal is injured, lost, or dies while in your care.
How Much Coverage Do You Need?
Coverage limits depend on:
Store size and location
Number of employees
Services offered (retail only vs. grooming and boarding)
Consulting with a specialized insurance agency like Wexford Insurance ensures you get tailored coverage for your pet store business.
Final Thoughts
Insurance isn’t just a legal requirement—it’s a smart business decision. From liability protection to safeguarding your inventory and equipment, the right policies keep your pet store secure and profitable. Work with an agency that understands the pet care industry for the best results.
Contact us today.