Veterinary & Pet Care Insurance for Clinics, Groomers & Boarders on the North Shore
North Shore pet owners are serious about their animals: and they expect the same level of care and professionalism from their veterinarians, groomers, and boarding facilities. Whether you run a veterinary clinic in Wilmette, a grooming salon in Winnetka, a doggy daycare in Evanston, or a boarding kennel in Northbrook, your business involves a unique combination of professional liability, animal care risks, and customer expectations.
Longmeadow Insurance partners with carriers who understand the pet care industry and offer tailored programs that address the specific exposures your business faces every day.
Key Coverages for Veterinary & Pet Care Businesses
- Veterinary Professional Liability (Malpractice): Covers claims of negligence, errors, or omissions in the diagnosis, treatment, or care of animals: the foundational coverage for any veterinary practice.
- Equipment Breakdown & TechAdvantage: Veterinary clinics rely on expensive diagnostic equipment: X-ray machines, ultrasound, surgical tools, laboratory instruments, and anesthesia systems. This covers mechanical and electrical failure.
- Income Protection – Actual Loss Sustained: If a covered event forces your practice to close, income protection covers your lost revenue until you’re operational again.
- Dependent Properties Coverage: If a key supplier (pharmaceutical distributor, lab services provider) suffers a loss that impacts your ability to operate, this coverage protects your income.
- Data Breach Response: Veterinary practices store customer payment data, pet health records, and personal information. This covers breach notification, forensic investigation, and credit monitoring costs.
- Employment Practices Liability: Covers claims from employees alleging discrimination, harassment, wrongful termination, or wage disputes.
- Data Breach Liability: Extends beyond response expenses to cover third-party lawsuits and regulatory actions arising from a data breach.
Enhancement Options
Three tiers of veterinary and pet care enhancement endorsements: Advantage, Plus, and Select: allow you to customize coverage for your specific operation, from a solo practitioner to a multi-location animal hospital group.
Who We Insure
- Veterinary clinics and animal hospitals
- Emergency and specialty veterinary practices
- Pet grooming salons
- Doggy daycare and pet sitting services
- Boarding kennels and catteries
- Pet training facilities
- Mobile veterinary and grooming services
Focus on the animals: let us handle the liability. Get a free veterinary and pet care insurance quote today.
Serving pet care businesses in Wilmette, Northfield, Winnetka, Glencoe, Kenilworth, Evanston, Northbrook, Highland Park, Glenview, Skokie, and across Chicago’s North Shore.
Add section: Pet care businesses have care, custody, and control exposure
Veterinary clinics, groomers, kennels, trainers, dog daycares, mobile groomers, and pet boarding businesses are entrusted with animals that clients consider family. A standard business policy may not fully address injury, escape, illness, death, or allegations involving animals in the business’s care, custody, or control.
Coverage should be reviewed for animal bailee exposure, professional liability, general liability, property, equipment breakdown, business income, workers compensation, cyber/POS systems, and hired/non-owned auto if employees drive for business purposes.
Add section: Equipment and interruption risk can be significant
Veterinary practices may depend on diagnostic equipment, refrigeration for medications, computer systems, phones, appointment software, and specialized buildouts. Groomers and boarding operations may depend on plumbing, HVAC, washing equipment, cages, dryers, and safety systems.
A covered loss that closes the business can create more than property damage. It can lead to canceled appointments, boarding relocation, lost revenue, client communication challenges, and temporary operating expenses.
Add section: Certificates, leases, and landlord requirements
Many pet care businesses lease space and must satisfy landlord insurance requirements. Those requirements may include general liability limits, property coverage for tenant improvements, additional insured wording, waiver of subrogation, and proof of workers compensation. Longmeadow Insurance can help review those requirements before renewal or lease signing.