Specialty Animals And Birds Insurance

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The Specialty Animals And Birds Insurance Guide

Animals And Birds Insurance

Animals And Birds Insurance. This guide provides information on excess, surplus and specialty lines small business insurance policies and risks.

Here you can find basic descriptions of the specific industry risks or specialty coverage types available for Animals And Birds Insurance.

For certain types of small businesses, particularly new ones - it is often very hard to know what types of commercial insurance is needed, what the risks are that should be covered - and where to find coverage.

We wanted to provide reference for specialty commercial insurance to help our readers get a better understanding of Animals And Birds Insurance policies they might need to do business.

Learn about Specialty Animals And Birds Insurance to better understand common risks, exposures and the types of commercial insurance coverage available to protect your small business and it's operations.

Animals And Birds Insurance Types

Click on the links below to learn more about Specialty Animals And Birds Insurance types and coverages:

What Type Of Insurance Do Animal Farms Need?

The farm-to-table interest has encouraged the raising of exotic breeds of animals or birds, such as bison, caribou, deer, llamas, and ostriches. These animals are exposed to a number of catastrophic hazards, such as floods, hurricanes, earthquakes, and drought. Coverage can be arranged for both property and liability hazards. These types of animals have much higher values than cattle, sheep, or hogs.

What Is Animal Mortality Insurance?

Animal Mortality is life insurance on domestic animals, livestock, and zoological animals. It covers death from any cause that is not excluded as well as voluntary destruction of animals for humane reasons when certified by a veterinarian. See Bloodstock Insurance for coverage on horses, Livestock Mortality Insurance for coverage on other livestock, and Birds (Exotic) Insurance for coverage on birds such as parrots and ostriches.

What Type Of Insurance Do Animal Rescue Organizations Need?

Animal lovers band together in groups to help animals that may otherwise have to be euthanized. Activities include locating the animal through contacts with municipal and county animal shelters, arranging to transport it from the shelter to the organization, and finding appropriate foster care. Other activities include evaluating temperament, basic training, and health care including treating heartworm, spay and neuter. The organization then matches the animal with an adopter for a fee. The fee is to pay the organization's expenses. The organization also accepts donations. Groups are species specific. Dog rescue organizations are often breed-specific. These organizations are volunteer operations with limited property exposures but with significant general liability, employee dishonesty, and directors and officer's exposures. There is an automobile exposure if the organization owns autos used to transport animals. There are also non-ownership exposures when volunteers transport animals on the organization's behalf.

What Type Of Insurance Do Animal Rides Need?

Animal ride concessions are popular attractions and can be found at permanent amusement parks, zoos, carnivals, shopping centers, and church, civic, and fund-raising bazaars. The primary underwriting concern is injuries to young children that arise when careless attendants are combined with untrained animals.

What Type Of Insurance Do Animal Shelters Need?

An animal shelter accepts an animal that is surrendered by its owner or captured by others. It is responsible to care for that animal in a humane manner. Some shelters provide only animal sanctuary while others prepare the animal for eventual adoption. Off-premises foster care exposures exist as do off-premises events that feature the animals in order to encourage donations and/or adoptions. There is a significant volunteer exposure.

What Is Beekeepers Insurance Coverage?

Beekeepers have unique coverage needs. There are liability exposures for hives on premises but there are also significant exposures for hives that are located off premise. Some beekeepers are contract-pollinators that will place hives based on the pollination needs of a crop. Hives must be transported which can be a significant transportation exposure if carriers are used. When beekeepers transport their own hives there is exposure of swarming bees if an accident occurs. Larger beekeepers need umbrella and workers compensation coverage along with property coverage for the hives, bees and the extracting equipment.

What Is Birds Insurance?

Owners of valuable exotic birds have a theft, life, and health insurance plan available that is similar to animal mortality coverage written on livestock, zoological animals, and domestic pets. Coverage applies if the bird is stolen or dies. Coverage for veterinarians' fees may be available. This coverage insures parrots, macaws, and even ostriches.

What Is Bloodstock Insurance?

Bloodstock insurance is animal mortality coverage for horses. It is usually written on valuable racing horses, thoroughbreds, standardbreds, quarter horses, or prized show horses such as Arabians, Palominos, and Tennessee Walkers. It is available for both stallions and brood mares. Rates vary based on factors such as the horse's age, use, value, sex, and the coverage provided. All insurers require a veterinarian's certification that the animal is healthy and free of illness or disability.

What Is Dangerous Dog Liability Insurance?

Certain breeds of dogs are categorized as dangerous and are subject to stringent state or local regulations. Many standard homeowners markets exclude or restrict coverage for these breeds. Because certain regulations now require liability insurance coverage for these breeds, the owners are being forced to either relinquish their pets or not comply with the regulations. This coverage provides an alternative.

What Type Of Insurance Do Dog Kennels Need?

Kenneling operations offer more services than just short-term care of dogs, cats, and exotic animals that belong to others. Many provide grooming and stud services and some may also be breeders. Expanded services such as all-day playtime, remote control cameras for owners to observe their pets, and obedience training can increase the loss potential.

What Type Of Insurance Do Equestrian Risks Need?

Horse owners ride for pleasure, show, or competition. Personal lines homeowners coverage provides some coverage but often not enough for serious riders. Equestrian risks liability policies are available to bridge the gap in coverage. Workers compensation coverage may also be needed to cover persons employed part-time, temporarily, or on a limited-help basis to assist in boarding, training stables, racing, or other equestrian-related activities.

What Type Of Insurance Do Horse And Carriage Operations Need?

Horse-drawn carriage operators conduct rides through downtown hotel and theater districts as they cater to tourists and business convention attendees. Liability coverage is also available for carriages and sleds that are used in commercial livery businesses for touring or as a part of a special event such as weddings, after proms, or convention tours. Underwriters are concerned about where carriages operate, the extent of lighting when operations are performed at night, the routes used to get the horses from their stables to the operating area and the experience of the drivers.

What Is Horse Breeders And Boarders Insurance?

These coverages are for owners of stables or farms where horses are boarded for others. The horses may be available for only their owners to ride or may be rented to others to ride. Some stables provide stud and breeding services. Coverage provided for these operations includes care, custody, and control coverage on the breeder's behalf and other coverages to protect its liability with respect to the horses being bred.

What Type Of Insurance Do Horse Farms Need?

Farms that specialize in raising show or race horses have significant livestock and liability exposures. In addition, horse farms that provide boarding and breeding activities or the ones that offer training and instruction have unique liability and property exposures. Property coverage applies to barns, stables, tack, other equipment, and farm machinery. Commercial general liability insurance covers various exposures connected with horses.

What Is Horse (Livestock) Major Medical and Surgery Insurance?

This coverage is usually written as an endorsement to a livestock mortality policy. It covers veterinarian fees for surgery and major illnesses/diseases as defined for scheduled animals. Limits are usually on an aggregate per insured animal basis, subject to a deductible. Animals used for racing, those less than 30 days old, and those over 15 years of age may be excluded. A licensed veterinarian must perform the surgery and provide the medical treatment.

What Type Of Insurance Do Livestock Haulers Need?

It may be difficult to place coverage on truckers that transport livestock from farms to feedlots or the marketplace. Special precautions are necessary to assure that the animals have enough room and ventilation to survive long trips. Additional care is needed with respect to loading and unloading.

What Is Livestock Mortality Insurance?

This is life insurance coverage on livestock that consists primarily of cattle, hogs, and goats. It indemnifies the insured for loss due to the animal's death from natural causes, fire, lightning, accident, acts of God, acts of men other than the owner or employees, and necessary destruction of animals for humane purposes. Different coverage approaches apply to horses and poultry.

What Is The Livestock/Auction Market Form?

This special livestock insurance coverage form insures a livestock auction market's owner for loss or damage to livestock consigned to the market. Coverage begins at the shipping point and ends when the livestock is unloaded. Some forms also cover animals to be auctioned from the time they enter the auction market's premises until they are sold. A few coverage forms go so far as to cover sold livestock until they are delivered to their purchaser's premises or final destination.

What Is The Livestock/Commercial Feedlot Reporting Form?

This is a named peril livestock insurance coverage form for commercial feedlots. It is usually written on a monthly reporting basis. Coverage begins when the livestock reaches the feedlot.

What Is Pet Accident And Health Insurance?

Pet accident and health insurance programs cover most veterinary medical treatment and/or hospitalization for illness or injury to pets. The most common pets are cats and dogs but other family pets can also be covered. Age limitations may apply and some treatments and illnesses are excluded. Payments are limited to a maximum per year, based on the coverage purchased. Coverage is usually subject to coinsurance and deductibles.

What Is Pet Grooming Liability Insurance?

Pet grooming liability insurance is similar to the malpractice coverage provided to beauticians and barbers for human hairdressing treatments. However, it applies to owners and operators of pet grooming businesses and to businesses that groom, clip nails or hair, or dock tails of cats and dogs. Many companies that offer this coverage write it on a package basis, including malpractice or professional liability for injury that results from professional grooming, clipping, trimming, shampooing, nail clipping, and other services, and also include commercial general liability coverage. This package also covers injuries to either customers or their pets that arise from premises hazards not related to professional services.

What Is Pet Mortality Insurance?

Much like livestock or animal mortality insurance, pet mortality insurance covers loss of the pet by death from any cause, whether by accident or otherwise. The same carriers that provide pet accident and health insurance may offer this coverage.

What Is Poultry Insurance?

This coverage protects individual poultry raisers, feed mills, and financial institutions for their investment in large flocks of poultry raised as broilers, breeders, or egg layers. Coverage is usually written on an "all risks" basis using coverage forms and policies designed for the poultry industry. Coverage usually includes death caused by climatic conditions, such as temperature and humidity, on the grower's premises or in transit.

What Is Saddle Animal Liability Insurance?

There are many prospects for this specialty coverage in addition to riding academies. Examples are resort hotels and motels, equestrian camps, riding stables and clubs, horse shows, and fairs. This coverage is a part of commercial general liability insurance that is often excluded when the exposure is considered significant. This coverage is tailored to the specific needs of the entity that purchases it. This means that premiums increase as exposures, such as participant liability, products, premises, and others are added.

What Is Veterinarians Professional Liability Insurance?

This coverage protects veterinarians from claims for damages that result from alleged malpractice, errors or omissions in the rendering or failing to render professional veterinary services. Underwriting and pricing is based on the services provided and the types of animals involved. Coverage applies to employed veterinarians, partners, and individual veterinarians.

What Type Of Insurance Do Zoos and Zoological Societies Need?

Zoos can be very large and diverse or very small and specialized. They may be open to the general public or limited to only researchers. The consistency is that wild animals are kept in a controlled environment in which they are cared for by human handlers. The entities may be governmental, for profit or not-for-profit entities. Risks include walk-through and drive-through zoos, wildlife refuges, parks, and aquariums. Coverages available include commercial general liability, property, commercial automobile, business income, inland marine, workers compensation, crime, food-borne illness, excess/umbrella liability, and professional liability. Animal mortality coverage may be available on a stand-alone basis.

Animals And Birds Insurance - The Bottom Line

We hope that the Animals And Birds Insurance helps you to better understand the some of the specialty small business commercial insurance policies available for your business. To find out what types of coverage your unique business needs, speak to a professional commercial broker with experience in insuring businesses like yours.

Specialty Small Business Insurance Guide By Industry, Risk Or Policy Type

Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Small Business Information

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

  • What type of business am I running?
  • What are common risks associated with this industry?
  • Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
  • Does my state require me to carry this type of insurance?
  • Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Business Insurance Policy Type What Is Covered?
General Liability InsuranceWhat is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
Workers Compensation InsuranceWhat is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.
Product Liability InsuranceWhat is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
Commercial Property InsuranceWhat is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.
Business Owners Policy (BOP)What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.
Commercial Auto InsuranceWhat is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.
Commercial Umbrella PoliciesWhat is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.
Liquor Liability InsuranceWhat is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.
Professional Liability (Errors & Omissions)What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Surety BondWhat is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).

Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law
Small Business Commercial Insurance

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

  • Business Interruption Insurance
  • Commercial Flood Insurance
  • Contractor's Insurance
  • Cyber Liability
  • Data Breach
  • Directors and Officers
  • Employment Practices Liability
  • Environmental or Pollution Liability
  • Management Liability
  • Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.

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