California Pet Business Insurance

Owning a Pet Store in California is different than owning any other type of retail establishment. People come to you with their pets' needs for a reason: You're trustworthy and you provide great products and services. Here at Huggins Dreckman Insurance, we're big animal lovers, so we know all about the passion the drove you into this line of work. For those that take care of our animals, we want to take care of you with our Pet Business Insurance.

Why Pet Store Insurance?

There are a lot of risks inherent to the Pet Store industry that isn't typical of other retail businesses. For one, by allowing pets into your store you are setting yourself up for an increased liability risk. Do you offer puppy training? How about a grooming service? If someone (animal or human) were to get hurt in your store, you would be held liable for his or her injuries.

If you sell pet supplies, you need the protection of a Pet Shop Insurance policy from Huggins Dreckman Insurance. We offer a standard Business Owners Policy (BOP) supplemented by General Liability, Property, Workers Compensation, Commercial Auto and more!

Business Owners Policy (BOP)

We combine your protection from all major risks into one package! By bundling we offer comprehensive coverage at an affordable rate.

General Liability

General Liability Insurance protects your business form third party liability claims.

  • Premises Liability - Protects you in the event that one of your customers sustains an injury or suffers damage to their personal property while on your premises
  • Product Liability - If one of the products you sell causes a pet illness or injury, this coverage will help pay for your legal and court fees if a lawsuit should arise.
  • Personal Injury Liability - Covers you if your business is accused of slander or libel.

Property Insurance

For those of you with a set location, covering your business's property is an essential part of your Pet Business Insurance. We not only protect your assets (supplies, furnishing, merchandise, cash registers, etc.), but we also offer payment for Business Interruption if damage to your property results in a loss of earnings or closure.

Ask about our Equipment Breakdown Coverage for further protection!

Commercial Auto Insurance

If you use your personal Auto Insurance for business purposes then you need the protection of Commercial Vehicle Insurance. We protect your business from liability should you or one of your employees be involved in an accident when driving a company vehicle.

But did you know that you could still be sued if one of your employees is involved in an accident while driving their personal auto in your service? Hired-Non Owned Auto Insurance will protect you from such claims.

Please note that all of our Commercial Auto policies meet the California state minimum coverage requirements.

Workers Compensation

It is common practice in Pet Stores for employees to interact directly with the clientele, in this case animals. Animals by nature are unpredictable, even the most docile of dogs and cats can suffer from momentary lapses in judgment... and by that we mean they bite.

Keeping your employees safe is paramount to running a successful business. Not only that, but the state of California requires it. Including Workers Compensation with your Pet Store Insurance policy will protect you and your employees by:

  • Paying medical expenses
  • Providing payment for lost wages
  • Funeral expenses and dependent support
  • Will pay for cost of defending your business in court

Contact Huggins Dreckman Insurance For Your FREE Pet Store Insurance Quote

We're in the business of keeping you in business. As has already been stated, we love pets and we love the people who take care of them. Protecting your business with Pet Shop Insurance isn't just a good decision financially, it's practical too.

Contact Huggins Dreckman Insurance at 562-594-6541 today to get started with a FREE quote!