Pet Care Insurance

Ideal Accounts and Appetite

This program is a strong fit for:

• Pet daycare and boarding facilities
• Grooming salons, with or without training services
• Kennel operations that include light retail sales of pet products
• Newly established pet care businesses and startups

You might have a client who recently opened a pet daycare that also offers grooming and a small retail section—this program was developed for that type of multi-service operation. Startups are welcome and many accounts do not require prior insurance history.

Coverage Highlights and Advantages

The Pet Care Insurance program from J.L. von Arx & Associates bundles core protections into a single package to simplify placement and claims handling. Key features include:

• General Liability and Inland Marine: Limits and coverages structured for third-party claims and equipment/assets used in operations.
• Veterinary Medical Expense: Included to address injury or illness of animals while under the insured’s care.
• Professional Liability (optional): Available for grooming and other professional services to address alleged errors or negligence.
• No Deductible: General Liability and Inland Marine coverages are offered with no deductible to simplify small claims handling.
• Replacement Cost: Available for property to help insureds recover the full value of assets after a covered loss.
• Special Cause of Loss: Available for broader property protection beyond basic perils.

Underwriting Notes and Minimum Premiums

The program works with multiple carrier partners and offers flexible underwriting. The minimum premium starts at $500. New ventures and businesses without prior insurance history are generally eligible; specific eligibility and terms depend on the risk profile, operations, and state availability.

Territories and Availability

This program is currently available in Arizona, California, and Nevada. Admitted markets are available in some states; J.L. von Arx & Associates can place accounts admitted or through excess & surplus markets depending on carrier appetite and state rules. Contact the firm for state-specific carrier options and placement pathways.

Why Work With J.L. von Arx & Associates?

As a Managing General Agency and Excess & Surplus Lines broker, J.L. von Arx & Associates combines niche underwriting expertise with access to multiple markets. That capability helps you place specialized pet care risks that may not fit standard markets, and gives you options for admitted or non-admitted placement where appropriate. Their focus on service and tailored solutions makes it easier to deliver the right coverage for grooming shops, daycares, kennels, and other pet care operations.