Dog Walking Insurance Louisiana Policy Information
Dog Walking Insurance Louisiana. If you love dogs, a dog walking business can be a fulfilling endeavor that you can use to augment your existing income or to have a business of your own that generates full-time income for you. While starting such a business is relatively simple, it is nonetheless a serious endeavor.
Dog walkers must be able to take on multiple dogs, and many offer additional pet services, including boarding and grooming. Because pets are so important to your customers, it is important that you also protect your business by purchasing dog walking insurance Louisiana.
Dog walking insurance Louisiana protects your business from lawsuits with rates as low as $57/mo. Get a fast quote and your certificate of insurance now.
Tips for Dog Walkers from the ASPCA
Dog walkers can have more success when they follow these tips from the American Society for the Prevention of Cruelty to Animals:
- In parks, use flexible leashes, but avoid these types of leashes in high-traffic locations. The use of these leashes prevent the dog from getting away from the walker, so it stays safe.
- For dogs that tend to get away from their walkers, a metal lead is a good option, although they are hard to handle and a bit heavy.
- Avoid wildlife by walking dogs in the early morning or in the evening. This lessens a dog's natural urge to chase small animals.
- Steer clear of flower beds and grass during warmer months of the year, since dogs may ingest certain flowers or be exposed to insecticides that may be harmful to them.
- Bring along extra waste bags, treats, and water for the dog.
Starting A Dog Walking Business In Louisiana
Before taking on your first furry clients, protect yourself and your business with dog walking insurance.
Prior to starting a LA dog walking business, it is imperative to research the market to make a determination as to whether the business would thrive in your particular area. This lessens any frustration or failures down the road. Ask around to see if people are willing to pay for dog walking services. Take to social media or email to conduct a survey of interest in the community. If there is interest for dog walkers and people need the service, your chances for success are heightened.
Be sure to follow local regulations in regards to registering your dog walking business. Open a business banking account, and determine a proper recordkeeping method for the business.
Buying Dog Walking Insurance Louisiana
Dog walking insurance Louisiana protects the dogs that you care for and walk and also protects the business from liability. Working with multiple dogs at once increases your chances of liability if a dog is injured by another dog while you're caring for the dogs. Having dog walking insurance Louisiana in place also helps to enhance your reputation as a professional dog walker and gives clients peace of mind in hiring you and trusting you with their dogs.
Dog walking insurance is not a common insurance product, so it can be difficult to find a policy that works for you. Work with a licensed agent to find a company willing to write the policy you need.
Bonding And Dog Walking Insurance Louisiana
After obtaining insurance for your dog walking business, check into bonding options and requirements in your locale. You may need to receive a fidelity bond that protects your business from lawsuits and claims arising from your actions or those of your employees.
Even in states where bonding is optional for dog walking businesses, consider applying for bonding anyway. This shows your clients that they can trust you, and that if any sort of fraudulent activity occurs, they can have peace of mind in knowing that they can seek compensation. Some states may require bonding prior to registration of the business, and liability insurance is required in some areas. The added expense is worth the security such policies provide.
Finding LA Dog Walking Insurance
To find a reliable company selling insurance policies and offering business bonds, check with:
- Commercial insurance agents. These agents can shop with multiple companies, so you can get the most unbiased feedback and advice and gain the ability to compare rates among top companies.
- Attorneys. Discuss liability concerns with an attorney to find out how much insurance you may need and the risks involved in operating a small business.
- Financial advisors. Most financial advisors can connect you with an insurance agent who can help you find the right level of coverage for your particular situation.
After researching your needs, be sure to compare different dog walking insurance Louisiana policies to find the right policy for your budget, based on the coverage you need and your level of risk acceptance.
Louisiana Economic Data, Regulations And Limits On Commercial Insurance
If you are a business-minded individual who is either thinking about starting a new business or who wants to expand an existing business by opening a division in a new state, it's important to choose a location that offers favorable conditions.
In business, it doesn't matter how high-quality the products and services you offer are, if the products and services don't appeal to the market, you likely aren't going to succeed. With that said, if you are interested in starting a business in the state of Louisiana, having a basic understanding of the economic trends is important.
It's also a good idea to know what type of insurance you'll need to carry, as certain commercial policies are compulsory in the state.
Below, we provide an overview of economic trends of the Creole State to determine if it's the right location for your operation.
Economic Trends For Business Owners In Louisiana
Unemployment rate is a good indicator of a state's economy. The lower the unemployment rate, the more advantageous the environment will be for prospective business owners. Unfortunately, the unemployment rate of Louisiana is higher than the national average; as of December, 2019, the rate was 4.9%, which was 1.5% higher than the national average of 3.5% at the same time.
Additionally, the unemployment rate has increased; it was 4.3% in July of 2019, 4.5% in October, and 4.7% in November of the same year. However, despite this, the unemployment rate has decreased in recent years, which does show promise for entrepreneurs who are thinking about starting a business in the state.
The best spots to start a business in LA are large cities and the suburban areas that surround them. The following cities have seen the most significant industrial growth:
- Baton Rouge
- Lake Charles
- New Orleans
Businesses in various industries do well in the state of Louisiana; however, there are specific sectors that are seeing substantial growth. Those industries include:
- Advanced manufacturing
- Commercial fishing
- Crude oil
- Natural gas production
- Software development
- Water management
Commercial Insurance Requirements In Louisiana
The Louisiana Department of Insurance regulates insurance in LA. Louisiana mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Louisiana requires you to have worker's compensation insurance if you hire even one employee on a regular basis or must be approved for self-insurance. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.
Louisiana also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Children & Pet / Dog Care Insurance
Discover what small business commercial insurance policies cover for children and pet related businesses.
Whenever children are involved, an extra level of care needs to be taken when selecting an business insurance policy.
Younger children require more supervision than older children. Each state establishes minimum standards and ratios for children-to-adults based on the children's ages.
Day care facilities must comply with these minimum standards and some exceed them by having additional staff to provide more personal attention and activities.
Pet related businesses have a large liability risk when working with multiple dogs. If one of the dogs bites someone, they can do a of of damage and claims are often in the thousands. Certain breeds of dogs can do major damage if they bite.
Another consideration in the pets themselves - what if they are injured while being groomed or walked? What if one dog attacks another while you are walking them?
If you do not have the right coverage you could have to pay a claim and expensive legal fees out-of-pocket.
Request a free Dog Walking Insurance Louisiana quote in Abbeville, Alexandria, Baker, Bastrop, Baton Rouge, Bayou Blue, Bayou Cane, Belle Chasse, Bogalusa, Bossier City, Breaux Bridge, Bridge City, Broussard, Carencro, Central, Chackbay, Chalmette, Claiborne, Covington, Crowley, DeRidder, Denham Springs, Destrehan, Donaldsonville, Eden Isle, Estelle, Eunice, Fort Polk South, Franklin, Galliano, Gardere, Gonzales, Gray, Gretna, Hammond, Harahan, Harvey, Houma, Inniswold, Jefferson, Jennings, Kenner, Lacombe, Lafayette, Lake Charles, Laplace, Larose, Leesville, Luling, Mandeville, Marrero, Meraux, Merrydale, Metairie, Minden, Monroe, Morgan City, Moss Bluff, Natchitoches, New Iberia, New Orleans, Oak Hills Place, Oakdale, Old Jefferson, Opelousas, Patterson, Pineville, Plaquemine, Ponchatoula, Prairieville, Prien, Raceland, Rayne, Red Chute, Reserve, River Ridge, Ruston, Schriever, Scott, Shenandoah, Shreveport, Slidell, St. Gabriel, St. Martinville, St. Rose, Sulphur, Tallulah, Terrytown, Thibodaux, Timberlane, Village St. George, Ville Platte, Violet, Waggaman, Walker, West Monroe, Westwego, Woodmere, Youngsville, Zachary and all other cities near me in LA - The Pelican State.
Also find Louisiana insurance agents & brokers and learn about Louisiana small business insurance requirements for general liability, business property, commercial auto & workers compensation including LA business insurance costs. Call us (318) 232-4100.