Dog Trainer Insurance in Vermont

What is Dog Trainer Insurance?

Dog training can be personally rewarding and financially profitable work, but the work comes with some inherent risks. From property loss to liability lawsuits, dog trainer insurance can protect trainers in Vermont from a range of potential risks.

Dog trainer insurance is specialized commercial insurance for dog trainers. In order to protect trainers against multiple risks, these policies typically are underwritten as package policies that have at least a few coverages in them.

Who in Vermont Should Have Dog Training Insurance Policies?

Most Vermont professionals who work as dog trainers should consider carrying dog trainer policies. Not carrying insurance can expose trainers and their businesses to significant risks, and this tends to be the most appropriate type of insurance for dog training professionals.

Professionals who work with dogs in other capacities might have similar coverage needs, but there are frequently slight differences that call for another type of dog-related insurance policy. For instance, dog walkers are usually better served by a dog walker insurance policy than a dog training insurance policy. Other professionals may likewise need policies for their specific services.

Professionals who work with dogs in multiple ways might need one of several different policy types. An insurance agent who specializes in dog training and similar policies can help sort out what policy option would be most suitable in a given situation.

What Protections Do Dog Training Insurance Policies Make Available?

Most of the protections that dog training insurance policies make available are either property or liability coverages. The former generally protect equipment that trainers have, and the latter is normally for situations where a trainer might be held financially liable.

Some of the property coverages that dog trainers might want to look for are:

Property Coverage, which may cover any building and/or equipment that trainers have
Commercial Automobile Coverage, which may cover any owned vehicles and accidents
Business Income Coverage, which may provide supplemental payments in the event of a disaster-forced closure

Some of the liability coverages that trainers might want are:

General Liability Coverage, which may cover commonplace accidents and defamation lawsuits
Professional Liability Coverage, which may cover claims that training was harmful, inappropriate or ineffective
Product Liability Coverage, which may cover injuries to dogs or people that are caused by sold products

Trainers who also sit or board dogs might also need care, custody and control coverage. “CCC coverage” normally protects against harm that dogs could sustain while they’re in the care of a trainer.

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Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.

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Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.

Jennifer L.

How Much Are Premiums for Dog Training Policies?

Premiums for dog training policies vary, as they’re based on a number of different factors. A trainer’s location, size of operation, training provided and past claims history are just a few of the factors that can influence cost.

An independent insurance agent can help trainers find out how much the insurance they need will be. Independent agents are free to compare policies from multiple insurers, for they aren’t linked up with any one insurance company. This makes it easy to compare both coverages and costs when comparing policy options.

Are Dog Trainer Policy Premiums Tax-Deductible?

Premiums paid for dog trainer policies are usually tax-deductible, provided the policy only protects business endeavors. Before writing the premiums off, though, trainers should consult with a qualified tax professional who can review their particular situation.

How Can Vermont Dog Grainers Get Dog Trainer Insurance?

For help finding dog trainer insurance, contact the independent insurance agents of Paige & Campbell Insurance. Our Vermont agents can show you several policies from different insurers, and we have the expertise necessary to help you determine which policy is most well-suited for your business. With our assistance, you can have confidence in your chosen insurance.