What insurance does a pet care business need? (2026)
Most pet care operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for pet care operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| Business activity |
|---|
| Animal grooming services |
| Animal shelters |
| Boarding services, pet |
| Dog pounds |
| Grooming services, animal |
| Guard dog training services |
| Guide dog training services |
| Kennels, pet boarding |
| Obedience training services, pet |
| Pedigree record services, pet |
| Pet boarding services |
| Pet grooming services |
| Pet sitting services |
| Pet training services |
| Pet walking services |
| Sitting services, pet |
| Working, sporting, and service dog training services |