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Pet Store Insurance

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Customized insurance for pet supply stores.

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When it comes to insurance for your pet supply store, you want your coverage to be off the leash. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage is as enjoyable as a treat. From General Liability to Workers’ Compensation, each pet store insurance policy is made to fit your needs.


Coverages for Pet Supply Stores:

Business Owners Policy, Workers’ Compensation, and HomeHQSM are three types of coverages for pet store owners to help protect their businesses. Learn more about these coverage options below:

Business Owners Policy

Having a Business Owners Policy could help protect your business against multiple risks as it combines three common coverages into one policy. General liability, property, and cyber-risk coverages are assembled into a BOP.

General Liability Insurance

If someone gets injured or their property suffers damage while interacting with your business, liability insurance could help cover expenses related to the damage.

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GENERAL LIABILITY INSURANCE

 


Property Insurance

You might want to consider this type of coverage so you don't lose items that allow your business to operate. If your company relies on expensive equipment, it could repair or replace these items if they become damage, lost, or stolen.

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PROPERTY INSURANCE  


Cyber Insurance

This type of coverage could help your business recover from the impact of a cyber-attack. If you hire a team of professionals to investigate the cause of the incident or notify impacted customers these expenses could be covered.

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CYBER INSURANCE  


Workers’ Compensation Insurance

Medical expenses and lost wages could be covered for injured employees with Workers’ Compensation coverage. This type of coverage could be legally required for your business depending on where your business is located. Most states require businesses to obtain workers’ compensation as soon as they hire their first employee.

HomeHQ

HomeHQ is a policy tailored specifically for at-home businesses. It may provide business owners with common business coverages that their homeowners or renters policy may not offer.

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Pet Store Insurance Articles

Workplace Injury: What to Do If an Employee Gets Hurt

Coffee store employee standing at counter

You never expect it to happen when it does. A workplace injury is something that typically happens quickly and in the least likely areas. A steel door slams on an employee's hand, someone slips and falls, a worker's hand gets caught in machinery, or another incident occurs that causes an employee to suffer from an injury on the job.

There were 2.8 million non-fatal workplace injuries in 2019. Knowing what to do before an accident occurs may help keep your business rolling smoothly. Read on to learn more about handling a workplace injury.

Steps to Take Following a Workplace Injury

The Occupational Safety and Health Administration (OSHA) establishes the safety standards for workplace safety. Having a plan in place prior to a worker’s injury may help save your company time and money.

Prepare by creating a response plan for the different types of accidents that may occur at your business and train employees on emergency response plans. Make sure you also have a first aid kit, and all your employees know of its location.

Your business should have emergency contact information on file for every employee. Make sure it is kept up to date, so you are not scrambling for contact information if an injury occurs.

If an accident happens and it is possible to move an injured worker to a safer place without injuring them more, do so. You should assess the severity of their injury and decide on appropriate treatment.

  • Treat minor cuts, burns, and scrapes with an on-site first aid kit.
  • For severe injuries call an ambulance or provide transportation to a medical facility.
  • Write down all relevant information about the accident after its occurrence as soon as possible.
  • Take witness statements from anyone who saw the incident happen.
  • Keep all evidence of the accident including equipment, photographs of the area, etc.

Even if an employee claims they are fine, make sure you record the incident. In the event the employee later needs medical treatment, you have a record on file for the Workers’ Compensation claim.

Filing A Workers' Compensation Claim

If the injury requires medical treatment, assist the employee in filing a Workers’ Compensation claim immediately. Keep open communication between the employee, your business, medical providers, and the claims adjuster. This will help to speed up the process.

It is a good idea to prepare and have on hand documents that explain the Workers’ Compensation insurance your company utilizes and the filing process. You can give this information to employees following an injury. Knowing they may have coverage for medical bills, wage loss, ongoing care, and more following a work-related injury could help to improve employee-employer relationships.

This is also a perfect opportunity to evaluate what went wrong and take appropriate steps to help prevent similar injuries from happening in the future. Employee injuries happen, but the steps you take in response to those injuries are what can help to keep moving your business forward.

Once the employee is able to return to work, welcome them back. It is illegal to terminate an employee or penalize them for filing a Workers’ Compensation claim. Failing to comply with the law can also lead to costly legal repercussions.

Coverage May Help to Protect Your Business

Before you find yourself dealing with a workplace injury, contact PolicySweet® for a free no-obligation insurance quote. You may call us at 1-800-625-8257 or submit a quote request online.

Simply request an online quote or reach out to us if you have any questions. Contact us today!

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