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The full pet business insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
Trusted by 60+ carrier partners
Required for most pet product operations
Baseline commercial policy for pet product brands. For companies selling ingestible products, the GL must be reviewed for animal consumption exclusions that eliminate coverage for the claims pet food and treat brands face most often. A GL with a hidden exclusion is functionally a premises-only policy.
Read the General Liability guideWhen a pet is harmed by your product, this line responds to the bodily injury claim. For example: a dog chokes on an undersized dental chew, and product liability pays the veterinary bills and your legal defense. Claims can involve contaminated food, a foreign object in a treat, an adverse reaction to a supplement ingredient, or a choking hazard from a toy. This is the coverage line that carriers restrict most aggressively for ingestible pet products.
Read the Product Liability guideA single pet illness or death cluster linked to contaminated food can generate claims that exceed primary GL limits. Umbrella coverage extends above general liability, product liability, and employers liability. Pet brands distributing through multiple channels carry exposure that requires limits above the primary layer.
Read the Umbrella Insurance guideCommon for DTC and marketplace pet brands
Without this line, a single Salmonella recall can wipe out a year of margin. GL excludes recall costs. A voluntary or FDA-mandated recall triggered by Salmonella, aflatoxin, or other contamination generates expenses for notification, retrieval, warehousing, destruction, and communications. Standalone recall policies cover both first-party costs and third-party liability from the recalled product.
Read the Product Recall guideDTC pet brands collect payment card data, shipping addresses, and customer PII through Shopify, Amazon, and direct channels. A cyber sublimit on your GL isn't standalone cyber coverage. A standalone policy covers breach notification, forensic investigation, regulatory fines, and business interruption.
Read the Cyber Liability guideYour warehouse, inventory, raw materials, and equipment are covered against fire, theft, and storm damage. Pet food and treat inventory is perishable. A covered loss can destroy product that cannot be replaced before expiration dates pass. Frozen raw pet food operations face higher property exposure from refrigeration failure.
Read the Commercial Property guideDepends on your specific operation
Required once you have employees in manufacturing, warehouse, or fulfillment operations. Premium is rated on payroll under the applicable NCCI class code for your operation type. Pet food manufacturing operations are classified differently from retail or distribution operations. Misclassification triggers audit adjustments.
Read the Workers Compensation guideOnce product leaves your manufacturer, standard property stops covering it. Pet food shipments moving through temperature-controlled supply chains face spoilage risk that standard property policies exclude. Stock throughput policies cover goods from the point of origin through final delivery.
Read the Inland Marine guideCovers liability when employees use personal vehicles for trade shows, retail deliveries, or business errands. Personal auto policies exclude business use, leaving the company exposed for any accident during a work trip. Required for brands that attend pet industry trade events or make local deliveries.
Read the Hired & Non-Owned Auto guideEach coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a free coverage review and risk plan. If your current program is solid, we'll tell you. Either way, you walk away with a free expert opinion.
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