Washington Animal Shelter And Pet Rescue Insurance. As an animal shelter and pet rescue organization, you provide care and shelter for the creatures that you give refuge to. You also employ a staff, hire volunteers, and work with the general public. As such, there are a number of risks that you are exposed to, and those risks can have a significant financial impact on your non-profit organization.
Animal rescue organizations take in abandoned animals, provide them with food, housing, and medical care, then attempt to place them for adoption. Some organizations will accept most domestic animals. Others may specialize in breed-specific animals, such as greyhounds or pit bulls. Others may accept only exotic animals such as birds, reptiles or animals found in the wild.
Most rescue groups are funded by donations and adoption fees and are run by volunteers. Some have lodging facilities while others rely heavily on foster parents who care for animals in their homes until a permanent home is found. When an animal is accepted by the organization, it is evaluated to determine whether it needs medical treatment and to identify any behavioral problems, such as aggression, that might disqualify it from adoption.
Animals suitable for placement with new owners receive medical care, including vaccinations and spaying or neutering, before being made available for adoption. Animals that are found to be extremely unhealthy or overly aggressive may be euthanized.
Your ultimate goal is to ensure that the critters you care for are healthy, healthy, and secure a permanent home. While you make every effort to ensure a happy ending for all, should trouble strike, you could end up facing serious financial repercussions. To safeguard the animals in your care, the clients that you work with, the staff and volunteers that keep your WA shelter running, and your own personal assets, having the right type of Washington animal shelter and pet rescue insurance coverage in place is crucial.
Washington animal shelter and pet rescue insurance protects your non-profit organization from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
From veterinary care to property damages and from personal injuries to community events gone wrong, WA animal shelters and rescue organizations face a number of risks. Even though you make every effort to ensure that all of the aspects of your facility are properly handled and everything goes smoothly, there's always a chance that the unthinkable will happen.
If something does go awry, you will be held liable for the damages, and those damages can be financially devastating. For instance, if someone visiting your facility is bitten by an animal or trips and falls over equipment and takes legal action, you could be looking at hefty legal expenses and damages.
Without Washington animal shelter and pet rescue insurance, these costs could lead to financial ruin; however, if you have the right type of coverage, your insurance provider will help to pay for the expenses so that you don't end up footing the bill.
Every animal shelter and rescue organization is different, and as such, the insurance needs for each operation will differ. The size of the organization, the type of animals you care for, and where your facility is located are just a few of the factors that will determine the type of insurance coverage you need.
Regardless of the specifics of your organization, there are a few key policies that every WA animal shelter and pet rescue center should carry, including:
These are just some of the types of Washington animal shelter and pet rescue insurance coverages that should be in pace. Other coverage options might include commercial auto, inland marine, and commercial umbrella insurance.
Premises liability exposure can be high if customers have access to areas with animals. The customer waiting area must be kept clean of animal waste and loose animals in order to prevent slips, trips, and falls. Leashes and carriers should be required to protect customers and other animals.
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.
Off-premises exposures include visits to clients' premises. When animals are placed temporarily with foster families, the rescued animals could be aggressive to the family members, their pets, potential adopting families, and the general public.
Products liability exposure is from the animals placed for adoption. Veterinary records confirming appropriate inoculations should be maintained, along with evaluations of an animal's behavior.
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, including euthanized animals. The rescue organization 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. Problem animals should be clearly identified so that appropriate precautions can be taken.
Other common injuries include lifting that results in back strains or sprains, trips and falls, respiratory ailments from inhaling dander, and communicable diseases transmitted by animals. Workers should wear gloves and masks to prevent contamination from bodily fluids, particularly blood. Many rescue organizations have no employees, relying on volunteer labor.
Property exposure includes an office and boarding facilities for animals. Ignition sources include electrical wiring, heating, and air conditioning, There may be laundry equipment used to clean bedding which can overheat. All should be well-maintained and meet current codes. Food and bedding supplies are combustible and should be stored away from heat sources.
Poor housekeeping can be a serious fire hazard. Animals and pharmaceuticals may be a target for theft or vandalism. All animal enclosures must be properly secured. Limited amounts of pharmaceuticals should be kept on premises. Controls should be in place to prevent access to the premises after hours. Alarms are recommended.
Crime exposure is from employee dishonesty and money and securities. Background checks should be conducted on all employees and volunteers handling money. Adopting individuals often pay the foster family at the time of adoption. Receipts should be provided and those monies forwarded immediately to the organization's treasurer. The drug PCP and other pharmaceuticals may be a target for theft. Animal anesthetic must be kept under careful control with limited amounts kept on premises.
Inland marine exposure is from computers and valuable papers and records for animal and adoptee information. Duplicates of all records should be made and kept off site. Inventory procedures must be in place to keep track of property at the homes of volunteers. There may be computers used for recordkeeping.
Business auto exposure is generally limited to hired and non-owned for employees running errands. Volunteers using their own vehicles may drive significant distances to pick up and deliver animals. If the rescue organization picks up or delivers animals, all drivers must be licensed with acceptable MVRs. All vehicles must be well maintained with documentation kept in a central location.
To learn more and ensure that non-profit is properly protected with the right Washington animal shelter and pet rescue insurance, speak to a skilled insurance broker about your specific needs.
For anyone who is thinking about starting up a business, it is important that they choose a location that suites the industry that they wish to work in. With that said, in order to determine whether or not a location is the right choice for your business, you should have an idea about the state's economic status. You should also have an understanding of the WA state regulations related to the types of commercial insurance that you are required to carry.
If you are thinking about starting up a business in the State of Washington, below, we offer some insight into the state's economic status. We also offer a glimpse at the WA insurance requirements that business owners must abide by.
Washington state may be famous for its gloomy weather, but when it comes to the economy, things here look bright. The economic outlook for Washington is healthy. It is expected that there will be more jobs added in the 2019 calendar year. There will be an increase in the productivity of labor. There will also be an increase in the state's unemployment rate during the year 2019, with a forecasted rate of 4.7 percent.
Washington is regarded as one of the top for businesses in the nation. In fact, it is listed at the 11th best state for business by Forbes. The industry that is expected to see the most growth are related to STEM (science, technology, engineering, and math). Among the top industries in this state include information technology. Education, healthcare, finance, and travel and tourism also contribute largely to the awesome economy of this state.
The Washington State Office of the Insurance Commissioner regulates the insurance industry in WA. Businesses are legally required to carry workers' compensation insurance. This type of coverage is required for any business that employs either hourly or salaried employees, and either part-time or full-time employees. You are also required to carry commercial auto insurance if you use a vehicle to conduct any type of business in this state. That means that if you are using a car to transport goods, make deliveries, or meet with clients, you must carry business auto insurance.
While commercial general liability insurance is not required in Washington, it is highly recommended. This type of insurance offers protection from lawsuits and other legal fees that may arise.
Find useful articles on business insurance for non-profit 501(c)(3) organizations, charities and associations.
For 501(c) Non-Profits - Directors And Officers Liability Insurance has become an increasingly important policy to have. D&O coverage protects insured directors or officers against claims involving allegations of wrongful acts occurring while performing their duties as such. The insurance is divided into two separate coverages:
Side A coverage reimburses the individual directors and officers for payments made for loss each has incurred because of wrongful acts.
Side B coverage reimburses the corporation for the payments it has made on behalf of the directors or officers themselves.
General Liability is a foundational policy for almost any business. Most companies do not have any control over the final cost of injuries to a person injured because of their operations, products, or services. The person injured may be a young child, a blue-collar worker, a surgeon, or a homeless person.
The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. Do you have sufficient assets to pay such a loss?
Commercial general liability insurance is designed to help you protect your assets with three main coverages:
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