WEDNESDAY, DECEMBER 30, 2020
 If you work in the animal control or rescue business, then you probably spend a lot of time doing jobs that few other people are qualified to handle, and that involves a high degree of personal safety risk. In some cases, you are needed to save an animal’s life if it is in trouble. In others, you are required to remove animals from an area where they pose dangers to others. In either case, there’s a chance that something could go wrong, someone could get hurt, or that a problem could wind up costing either your business or someone else a lot of money.
To protect yourself from disproportionate ramifications of hazards on the job, your business needs several types of commercial insurance. Notably, a variety of liability policies are usually necessary to help you create a comprehensive risk management strategy. Therefore, consider integrating the following policies into your commercial insurance portfolio:
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General liability insurance: If through your services you cause someone else property damage or bodily injuries, then this coverage can pay for the third party’s losses. For example, if you are clearing raccoon nests from under someone’s home and accidentally damage the structure, then you can use this coverage to pay for their repairs.
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Pollution liability insurance: Often, animal control services use solvents and poisons to various degrees when trying to clear out pest infestations. If a spill winds up contaminating a wide area, then this coverage can help you pay for the necessary cleanup.
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Lost key coverage: There is a chance that someone might provide you with their key so that you can enter their property. However, if you lose their key or it gets stolen, then that person might have to replace their locks (which might be very expensive). This coverage will allow you to compensate them for the expense.
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Errors & omissions (E&O) insurance: There are times when you might offer consultancy services that advise others on how to manage wildlife on their property. However, if they take your advice and then something goes wrong, they might sue you over the outcome. Therefore, you will be able to use this coverage to cover their losses.
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Umbrella liability insurance: There are times when a claim on your standard liability policy will not cover the full cost of someone’s claim. Therefore, this coverage will help you cover the outstanding cost of a claim after your standard liability plan pays up to its limits.
Depending on your operational needs, the specifications that you need to include within your liability insurance portfolio will vary. It is still imperative that you tailor these appropriately, which is why you must work with your commercial insurance agent to make sure you are doing so in the right way.
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