Insurance for dog care and training business

[Spin]

Hey all a friend of a friend is starting up a business and needs insurance.


They're looking for a minimum of a million in liability. Coverage will be for a dog training, walking, sitting and boarding business. With the possibility of having one occasional team member to help a few hours a week.


This is not a brick and mortar business-- it's an in-home, at a park, around town, and at my home kind of business.



Please let me know the rates and any information that will help me break it down and understand it better.

Thanks!

 

[Deborah Armstrong]

There needs to be more information than what is provided. There is a set number of questions that an gent/broker will have to ask in order to provide the best insurance for their needs and wants. Also, what state is your friend in?

 

[Spin]

Illinois, what other info is needed?

 

[adjusterjack]

Send your friend to a commercial lines independent insurance agent.

Otherwise you and he will just be spinning your wheels with no results.

Your friend will need Workers Comp insurance for the "occasional" team member.

 

[fed up]

$1,000,000 liability is not nearly enough coverage and they will need to check locality codes for proper licenses since it is using their home as a base of operations. Someone will write it but I'd probably walk away.

 

[marindependent]

Coverage will be for a dog training, walking, sitting and boarding business.

OK

it's an in-home, at a park, around town, and at my home kind of business.

Wow

starting up a business and needs insurance.

Yep

Unfortunatly a lot of businesses quickly learn that one of the biggest costs of doing business, when you work from home, is the insurance. For some risks insurers prefer a commercial location.

need to check locality codes for proper licenses since it is using their home as a base of operations.

Exactly

Send your friend to a commercial lines independent insurance agent.

Good advice, although you may struggle getting a broker involved with this one.

 

[adjusterjack]

Professional associations sometimes have insurance programs (and other valuable resources) available to their members.

Looks like there are several such associations for dog trainers.

association of dog trainers at DuckDuckGo

Worth a look.

 

[Markthebroker]

Hey all a friend of a friend is starting up a business and needs insurance.


They're looking for a minimum of a million in liability. Coverage will be for a dog training, walking, sitting and boarding business. With the possibility of having one occasional team member to help a few hours a week.


This is not a brick and mortar business-- it's an in-home, at a park, around town, and at my home kind of business.



Please let me know the rates and any information that will help me break it down and understand it better.

Thanks!

Why doesn't your friend of a friend shop for insurance themselves?

 

[Spin]

They are, but since I've got an account here I figured I'd ask the experts.

 

[adjusterjack]

What has your friend done in the past 12 days since you got your answers from the experts?