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At pet shops, customers can purchase small pets including cats, dogs, fish, reptiles, rabbits and ferrets as well as pet supplies. Supplies for sale may include pet food, litter, litter boxes, water and food bowls, toys, leashes, birdcages, aquariums, fish bowls, pet clothing, accessories, dog and cat beds and cat furniture. Some stores specialize in pet apparel, treats and/or accessories and do not sell animals. Related services may be offered, such as grooming, obedience training, kenneling and veterinary care.

General Liability Insurance for Pet Shops & Supplies – Live pets may injure customers at pet shops by biting or clawing them, for example. As a result, premises liability risks are increased. Some pet stores allow customers to bring their own pets into the store. This increases the risk of premises liability. Stores should require pets to be controlled and/or on leashes at all times. Spills should be cleaned up immediately and “wet floor” warning signs should be used to prevent customers from slipping and falling. Outside areas such as parking lots, sidewalks, and other walkways should be well lit and free of defects and debris such as holes, cracks, trash and pet debris. Stores that offer veterinary services, pet grooming, or kenneling services will have even greater liability risks, especially if injury or death occurs to any animal as a result of these services.

Workers’ Compensation Insurance for Pet Shops & Supplies – Pet shop and supply employees should be trained to properly handle pets. Animals may injure the employees by biting, clawing, or pecking them, for example. Animals may also carry diseases that could be passed on to the employees if precautions are not taken. Lifting techniques should be taught in order to prevent back injury. Pet shop employees should ask for help before attempting to move or lift any objects or animals that are heavy or awkward. Employees involved in grooming or veterinary services may also be injured from the use of special tools and equipment. On the job training should be provided for employees involved in these services.

Business Auto Insurance for Pet Shops & Supplies – If pet shops deliver or pickup pets for services, the risk of business auto claims is increased. Vehicles should be in good repair and maintained regularly. Drivers should have their MVRs checked often and maintain good driving records. Pets should be secured on the vehicles in order to prevent distractions to the driver.

Property Insurance for Pet Shops & Supplies – Live animals are often sold at pet shops. In the event of a fire, serious injury or death could occur to all animals on the premises. Extinguishing systems should be used to reduce the potential damage of a fire. If the pet shop is connected to other businesses, then a one-hour firewall should be present and should extend through the roof of the building in order to reduce the risk of fire spreading from other businesses to the pet shop. Theft risks are typically low at pet and supplies stores.

Crime Insurance for Pet Shops & Supplies – Embezzlement of funds is a crime risk at pet and supplies shops. Duties should be divided among employees, bank deposits should be made daily, and cash drawers should be carefully monitored. Dishonest employees may steal pets or supplies. Inventory counts should be performed regularly to reduce the risk of employee theft. Outside burglars may also steal money from the store. The use of security systems, alarms, and double cylinder deadbolt locks should help reduce the risk of burglary.