Dog Trainer Insurance in Massachusetts

What is Dog Trainer Insurance?

Working as a dog trainer can be a financially and personally rewarding career path, but it’s one that comes with certain inherent risks. Dog trainers could be named in several different liability lawsuits, and they face property-related risks as well. Dog trainer insurance helps protect dog trainers in Massachusetts from many of the risks they face.

Dog trainer insurance is a specialized type of commercial insurance that’s designed to meet the needs of dog trainers. So that they can offer trainers robust protection, most policies come as package policies that have multiple coverages within them.

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Who in Massachusetts Needs Dog Training Insurance?

Broadly speaking, the majority of people and businesses that offer dog training services in Massachusetts can benefit from having this type of insurance. A person or business may be dangerously exposed to risk if no insurance is in place, and this tends to be the most appropriate kind of policy for dog training.

Dog training, of course, typically involves shaping or addressing behaviors in dogs. It’s the risks that accompany this work which dog training insurance policies are generally designed to protect against. Professionals who work with dogs in different ways often still need insurance, but they may need a slightly different type of policy. For example, dog walkers frequently are better served by a dog walking insurance policy than a dog training insurance policy.

Anyone who offers multiple services or is unsure what type of dog-related commercial policy they need should seek the assistance of a specialized insurance agent. An agent who’s familiar with the nuances of the various policy options will be able to provide informed advice regarding a particular professional’s situation.

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What Coverages Does Dog Training Insurance Come With?

As mentioned, dog training insurance is usually a multifold policy that comes with several individual coverages. The exact coverages that any one policy offers can vary, but they might include protections like:

  • General Liability Coverage, which may cover bodily injury or property damage that a trainer is responsible for
  • Professional Liability Coverage, which may cover allegations that training was ineffective, inappropriate or harmful
  • Products Liability Coverage, which may cover sold products that cause harm or property damage
  • Property Coverage, which may cover a business-owned building and business-owned contents
  • Commercial Automobile Coverage, which may cover business-owned vehicles and/or business-related driving
  • Care,  Custody and Control Coverage, which may cover dogs entrusted to a trainer’s care

Care, custody and control coverage is most often needed when a dog trainer also pet sits, boards or otherwise watches pups, although it can be useful in other situations. This protection is sometimes abbreviated “CCC coverage.” A knowledgeable agent can help determine whether getting the protection makes sense for an individual or business.

How Much Does a Dog Trainer Policy Cost?

Premiums for dog trainer policies are based on many factors and frequently vary as a result. A few of the items that can influence how much a policy costs include the:

  • Size of a dog training business
  • Types of training provided
  • Location of a business
  • Coverages, deductibles and limits selected

An independent insurance agent can help dog trainers explore policy options available to them and see what different insurers will charge for a given set of protections.

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How Can Dog Trainers in Massachusetts Get Dog Trainer Insurance?

For help finding dog trainer insurance, contact the insurance agents of Roger Butler Insurance. Our independent agents have worked with many individual dog trainers and dog training businesses in Massachusetts, and they have the expertise necessary to help you find a robust and affordable policy.

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