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Every Day Safety: Insurance (Just a Little Coverage Chat)

Just one of the articles from Pet Care Pro Quarterly, IBPSA’s digital magazine for pet care services professionals. Read the current issue online here.

By Ben Day

 A new year is well under way and, no doubt, you have updated your safety program. You reviewed it around the same time you did your annual safety training (which included HAZCOM, of course). Right? And, certainly, it goes without saying that you reviewed all of your insurance policies. 

Wait. What? You forgot about those insurance policies?

  • General liability
  • Property/casualty
  • Workers’ compensation
  • Personal injury
  • Advertising injury
  • Products (if you have retail space)
  • Damage to property rented to you
  • Pet/bailee (lost, stolen, injured, or killed in your care)
  • Employment practices liability
  • Auto
  • Health (if you offer it)
  • Life

Whew! Are we done yet? No? What about…

  • Renters
  • Flood
  • Fire
  • Vet bill reimbursement
  • Pet groomers professional liability
  • Data breach coverage
  • Errors and omissions
  • Bonding

While there’s a good chance yet another form of coverage has been left off our list, let’s go ahead and take a closer look at just few of the aforementioned coverages to pique your insurance interest.

Advertising  injury is combined with your general  liability policy to address offenses in connection with the insured’s advertising of goods and services with regard to libel, slander, invasion of privacy, and copyright infringement. You know that impossibly adorable photo your staff took of TuTu’s “mom” picking her up from doggie daycare? The one just too cute not to use in your advertising campaign? If you didn’t obtain permission from TuTu’s mom to use the photo, you could be looking at invasion of privacy.

Not every state requires workers’ compensation, but here’s a scenario where you might wish you had:

One of your employees takes a serious tumble, tripping over a leash while walking a client. The resulting injury means the employee must have knee and back surgery, costing thousands of dollars plus the additional cost of rehab. You have no workers compensation or any coverage for this type incident. Now, the employee is going to be off work for an undetermined amount of time meaning you have to at least temporarily fill that spot. And, by the way, the employee expects you to pay all the bills or they will sue. But, it could be worse! What if they had sustained a fatal head injury in the fall and didn’t make it? You can see where this might lead to financial ruin.

Data breach coverage is not something only tech companies should be concerned with. What if you terminate an upper level employee who knows all of the passwords and has access to your entire client list? And they caught wind you would be firing them the next morning at which time they decided to engage in a little thing called “data poaching”? This data breach could be considered cyber-crime, and some insurance companies now offer coverage for it.

So, you reviewed all of your insurance policies, right?