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Small Business Insurance for Animal Care Providers

Providing care to the beloved animals in our lives takes time, patience, and trust on your client's behalf. While you require the right equipment for the unique services you provide, you also need an insurance policy customized to you. Allow TD Insurance to help protect your small business, and keep you caring for our furry friends for years to come.

Speak to a licensed TD Insurance Advisor 1-855-724-2883 

Why You Need Animal Care Provider Small Business Insurance

  • Errors and Omissions

    If your client takes legal action against you claiming their pet is less obedient after completing training with you.

  • Shield your vehicle

    Travelling to provide pet services? Protect the wheels that help you do this.

  • Protect your assets

    Coverage for the special equipment you need to take care of our furry friends.

  • Business Income / Business Interruption

    Keep income flowing in if your pet care service is closed due to an insured event.

Save up to 30% on your business insurance1

You may be eligible for discounts on your Commercial Property & Liability coverage. Call us at 1-855-724-2883 to see how much you can save.

  • Bundle and save

    Save 15% when you bundle your commercial property & liability with your commercial auto policy.1

  • Alumni & Professional savings

    Save 5% for eligible Alumni and Professional Groups.1

  • TD Customer Loyalty Discount

    Save 10% for being an existing TD customer.1

Animal Care Provider Insurance is recommended for:

  1. Dog Walker

  2. Pet Day-Care Providers

  3. Dog Trainer

  4. Pet Sitter

  1. Pet Boarding

  2. Pet Groomers

  3. At Home Pet Boarding

Coverage Options for Animal Care Providers

 

It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs, so you'll be confident you're protected.

  • Commercial Property Insurance

    Helps animal care providers protect the equipment, tools, and business property they rely on to care for pets and operate their business.

    • Protect your business property: Helps cover damage to your business property caused by covered events such as fire, water damage, or other insured losses.
    • Protect essential equipment: Helps cover items such as grooming tools, crates, training equipment, pet-care supplies, and office contents if damaged by a covered loss.
    • Protect your business income: Help protect your income if your business is forced to temporarily close following a covered event.

    Explore Commercial Property Insurance

  • Commercial Auto Insurance

    Helps animal care providers protect vehicles used for pet transportation, mobile grooming, home visits, and other day-to-day business activities.

    • Cover business-use vehicles: Helps protect vehicles used while providing pet care services.
    • Support mobile operations: Important for businesses that bring their services directly to customers, including mobile pet care and animal service providers.
    • Protect against covered vehicle damage: Comprehensive coverage may help cover losses caused by theft, vandalism, or certain weather-related incidents.

    Explore Commercial Auto Insurance

  • Commercial General Liability Insurance

    Helps animal care providers manage the risk of third-party injury or property damage, and other covered liability claims connected to their business operations.

    • Protect against slip & fall injury claims: May help if a client is accidentally injured while visiting your store or facility and you are found liable.
    • Protect against professional liability claims: Helps if your business activities accidentally damage someone else's property.
    • Help cover legal costs: May help if a client alleges a service or professional advice provided by your business resulted in the customer's financial loss.

    Explore Commercial General Liability Insurance

Claim Scenarios for Animal Care Providers

Potential Claim:

You’re a pet sitter for a client with an elderly cat. The elderly cat relies on your consistent attention, including specific times during the day for medication and care. Due to unforeseen circumstances, you are not able to attend the appointment with the cat which results in a serious health issue for the cat. You receive notice of legal action against you for negligence while rendering pet care services.

Potential Outcome:

Errors & Omissions insurance provides coverage for legal defense fees, settlements, and other costs related to allegations of a wrongful act.

Potential Claim:

While out on business, you accidentally collide with a cyclist. The cyclist is seriously injured and requires medical attention.

Potential Outcome:

Provides protection if you're at-fault in an accident for injuring or causing death to a third party or damaging their property. In this scenario, your third-party liability auto insurance may cover the third party's collision-related expenses.

Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

    Get a Quote

  • Insurance questions? Find the answers

    Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.

    Browse FAQ

  • Visit our Advice Centre

    From retail to carpentry, you can visit our Advice Centre to find out which coverage options suit your business. Also, check out tools and resources available at your disposal. 

    Explore now

  • Call us by Phone

    Licensed TD Insurance Advisors are available to answer your questions and help you get started. Broker-free and ready when you are. Call us today.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.

In the case of conflict between the content on this page and your policy wordings, your policy wordings shall prevail. Please speak to an Advisor or consult your policy wordings for further details.

TD Insurance refers collectively to the following insurance companies:

• Security National Insurance Company;
• Primmum Insurance Company;
• TD General Insurance Company;
• TD Home and Auto Insurance Company; and
• TD Life Insurance Company

TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.

1 Savings of up to 30% on your TD Insurance for Business Commercial Property and General Liability Insurance Policy can be obtained through a combination of the following three discounts:

Multi-Product Discount

You could save up to 15% on your Commercial Property and General Liability, and  5% on your Individually Rated Commercial Auto (“IRCA”) insurance policies when you insure a Commercial Property and General Liability policy and an IRCA policy with TD Insurance.

Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.

Offer may be changed, withdrawn, or extended at any time, without notice.

Alumni and Professional Group Discount

This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are a sole proprietor, majority owner, majority partner, or signing officer of a corporation, partnership or business entity designated as a TD Insurance policyholder and are members of a group or an association that have a group marketing agreement with TD Insurance.
This Offer provides a discount of 5% applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.

Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.

Offer may be changed, withdrawn, or extended at any time, without notice.


TD Customer Loyalty Discount

Eligibility

For the purposes of this Offer only, an "Eligible TD Customer" means a natural person who is a director, board member, signing officer, business owner, sole proprietor, or majority partner of a business entity and who:

• has a TD deposit account;
• has a TD Mortgage, a TD Home Equity FlexLine, or a TD loan or line of credit, secured or unsecured;
• has a TD credit card or other credit card issued by TD;
• has a TD investment product or account;
• has a TD automobile financing product;
• has a TD Insurance residential insurance or personal passenger automobile insurance policy;
• has a TD Insurance life insurance or accident and sickness insurance policy; or.
• has a TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance policy.

This Offer is for

A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024;
B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024, and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024; and
C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024.

Application

(A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024:

• This Offer provides a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024 and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024:

• This Offer provides a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024:

• The TD Small Business Banking Discount will be subsumed by the present Offer. This Offer will provide a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(D) Eligible TD Customers who are existing TD Insurance business insurance customers and not currently benefitting from the TD Small Business Banking Discount before April 21, 2024:

• As of April 21, 2024, these customers may contact a TD Insurance advisor to avail themselves of the present Offer. This Offer will provide a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

This Offer is not applicable to TD Insurance's individually rated commercial automobile insurance policies and their endorsements.

Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.

Offer may be changed, withdrawn, or extended at any time, without notice.

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