Kennel Insurance Maryland Policy Information
Kennel Insurance Maryland. Kennels provides temporary housing for dogs whose owners are away on business or vacation. Services generally include feeding, exercise runs, and grooming. Some offer breeding or training classes.
Others provide boarding facilities for cats or other domestic animals. There may be daytime open kenneling, with dogs interacting throughout the day and placed in separate kennels during the evening hours.
"Doggie day cares" allow owners to bring their dogs to the kennel during the day and pick them up after work.
By boarding their cat or dog at a quality kennel, pet owners can rest assured that their beloved companion animal is safe, and many kennels work hard to provide exercise, quality nutrition, and play time to the animals they board.
As it can be extremely hard for pet owners to find trusted temporary shelter for their cats and dogs among their relatives and friends, there is no question that kennels provide an invaluable service - and are, as such, in high demand.
This means that, if you own and run a MD kennel, you can maintain and build a business that will stand the test of time. Kennel owners also, on the other hand, face a number of threats in the form of unforeseen circumstances.
How can investing in a comprehensive kennel insurance Maryland plan protect your business, and what types of coverage might be required? Read on to discover more.
Kennel insurance Maryland protects animal boarding businesses from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Why Do Maryland Kennels Need Insurance?
As a responsible business owner, you will do everything in your power to ensure that your boarding kennel operates smoothly - but no matter how competent and professional your company is, unforeseen circumstances can always threaten your financial health.
Kennels will face universal risks common to almost any commercial venture, as well as some hazards specifically related to the fact that kennels provide pet care.
Kennels need appropriate insurance not only to fulfill legal obligations, but also to help them recover from any major peril they may be confronted with. Acts of nature - disasters like earthquakes, wildfires, or hurricanes - may strike any building, potentially causing severe property damage.
In the case of a MD kennel, not only are assets and employees at risk, but also the pets you are caring for. Theft, vandalism, and accidents are other examples of perils that could cause damage to your premises.
In addition, kennels also have to take liability risks into consideration. Employees and third parties visiting the premises may be injured on your property, for example, or third party property may accidentally become damaged over the course of your activities.
One of the most significant risks kennels face is the possibility that a pet could become injured or even die in their care, but keep in mind that customers can file lawsuits alleging negligence even if your standard of care is excellent.
Serious perils are accompanied by equally serious expenses. In some cases, the costs would be so overwhelming that you may be forced to close your business. Investing in the right kennel insurance Maryland is the best way to prevent that scenario.
What Type Of Insurance Do MD Kennels Need?
Although all kennels will have similar insurance needs, their individual circumstances will influence the exact kinds of coverage that will best protect their interests, as well as the ultimate cost of any given policy.
Your location, the size of your business, the types of cats and dogs you board, and how many employees you have hired are merely examples of the factors that play a role in determining what insurance will best serve you.
Because navigating the modern insurance market can be challenging, it is essential to consult a commercial insurance broker to advise you and advocate for you. Having said that, some of the most important types of kennel insurance Maryland coverage include:
- Commercial Property: This type of insurance shields your kennel business from financial losses in the event that your building and the smaller assets within are damaged or destroyed by acts of nature, theft, or vandalism. It covers repair and replacement costs up to a predefined limit.
- Commercial General Liability: Should a third party become injured on your premises or as a result of your activities, or should your kennel damage property belonging to someone else, lawsuits can follow. General liability insurance can help you cover legal expenses, but also settlement payouts, including medical or repair bills.
- Boarding Kennel Liability / Animal Bailee Insurance: This form of kennel insurance Maryland coverage is designed to cover the animals in your care, and depending on the insurer, it can be referred to by other names as well. If an animal becomes injured or dies while in your care, this type of insurance helps you cover the resulting costs.
- Workers' Compensation: If an employee is injured at work, whether due to an animal bite or due to improper maintenance, workers comp pays their medical expenses as well as covering any lost income.
To find out whether you would also benefit from commercial auto, cyber, business interruption, and other types of kennel insurance Maryland, talk to a commercial insurance agent.
MD Kennel's Risks & Exposures
Premises liability exposure can be high if customers have access to the kennels. The customer waiting area must be kept clean of animal waste and loose animals to prevent slips, trips, and falls. Leashes and carriers should be required to protect customers and other animals.
Veterinary records confirming appropriate vaccines should be required of any animal being boarded to prevent the spread of disease. Enclosures should be secured to prevent escape, with each animal boarded separately to prevent attacks by other animals.
Escaped animals could attack people or other animals or cause damage to neighboring properties. Daytime open kenneling can result in serious injuries.
Precautions such as temperament testing, adequate staff monitoring, requiring participating dogs to be spayed or neutered, and divided play areas by the size of dog are helpful.
Products liability exposure is moderate if the kennel sells animal food and supplies. The exposure increases to that of a manufacturer if the kennel modifies or sells a directly imported product.
Environmental impairment exposure is moderate due to the potential for air, surface or ground water, or soil contamination from the handling and disposal of biological waste material. The kennel must follow all federal and state procedures for disposal.
Workers compensation exposure is high due to the unpredictability of even the most domesticated animal. Workers may be injured by biting, scratching, kicking, or other attack. All employees must be trained in appropriate restraint techniques. Aggressive animals should be clearly identified so that proper precautions can be taken.
Other common injuries include lifting that results in hernias, back strains, or sprains, trips and falls, respiratory ailments from inhaling dander, and communicable diseases transmitted by animals. Special training in separating fighting dogs is required in facilities where daytime kenneling occurs.
Property exposure includes an office and animal boarding facilities. Ignition sources include electrical wiring, heating, and air conditioning. There may be laundry equipment used to clean bedding. All equipment should be well maintained to prevent overheating and meet current codes.
Food and bedding supplies are combustible and should be stored away from heat sources. Poor housekeeping is a serious fire hazard. Animals may be a target for theft or vandalism.
All enclosures must be properly secured. Controls should be in place to prevent access to the premises after hours. Alarms are recommended.
Inland marine exposure is from accounts receivable for credit customers, bailees customers for animals boarded at the kennel, and valuable papers and records for customers' and suppliers' information. Duplicates of all records should be made and kept off site. There may be computers used for recordkeeping.
Crime exposure is from employee dishonesty. Background checks should be conducted on all employees handling money. There should be separation of duties between persons handling deposits and disbursements and reconciling bank statements.
Business auto exposure is generally limited to hired and non-owned for employees running errands. If the kennel provides pickup or delivery services, all drivers must be licensed with acceptable MVRs. Any owned vehicles must be well maintained with documentation kept in a central location.
Kennel Insurance Maryland - The Bottom Line
To protect your cat and dog boarding business, employees, customers and the animals, having the right kennel insurance Maryland coverage is vital. To learn what types of policy options are available to you, how much coverage you should invest in and the premiums - speak to a reputable commercial insurance broker.
Maryland Economic Data And Business Insurance Regulations
Business owners that have their sights set on Maryland should to take a number of factors into consideration before the set up shop; namely, they need to determine if the state offers favorable for business owners in general, as well as their specific industry. After all, it doesn't matter how top-notch the products and services a business offers may be, if the location isn't favorable for the industry - and businesses, in general - the operation is going to have a hard time thriving.
Below, we examine key factors that indicate whether or not Maryland is favorable for business owners. We also look at some of the must-have types of commercial insurance coverage that are required in the state.
Economic Trends For Maryland Business Owners
A state's unemployment rate is key indicator of whether or not the climate is favorable for business operations. As of May, 2019, the unemployment rate in the Old Line State was 3.8 percent; 0.2 percent higher than the national average. In October of 2022, the rate hit a record low of 3.7 percent, so in less than a year, the unemployment rate has increased by .01 percent; a marginal increase. However, there have been gains in recent years; in 2010, the rate was 7.8 percent; that's a 4.0 percent increase in less than a decade.
The best place to start a business in Maryland is in Baltimore, the state's largest city. Suburbs of the city also offer promising conditions for business owners, such as Ellicott City, Columbia, Fulton, Lutherville, and Elkridge.
The state of Maryland offers a friendly culture for business of all shapes and sizes; but, the industries that are see the most success in the Old Line State include:
- BioHealth and Life Sciences
- Advanced manufacturing
- Information technology
- Aerospace and defense
- Financial services
- Energy (specifically green energy)
- Hospitality and tourism
Commercial Insurance Regulations In MD
The Maryland Insurance Administration regulates insurance in Maryland. Commercial insurance is designed to protect business owners from potential perils; it also protects anyone that interacts with a business, including consumers, vendors, and employees. Having the right type of coverage is not only crucial to avoid serious financial devastation in the even that a catastrophe does occur, but certain types of insurance are mandated, meaning business owners must carry specific forms of coverage.
In the state of Maryland, business owners are required to carry workers' compensation insurance, which offers coverage for on-the-job accidents and illnesses that employees sustain, is also required. Other forms of insurance coverage that business owners may need to invest in depend on the specific industry; for example, companies that distribute or sell alcohol will need liquor liability insurance, and businesses that utilize vehicles for business-related operations should carry commercial auto insurance to protect their drivers and other motorists on the road.
Additional Resources For 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.
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