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therapy dog insurance for a group of kids with a therapy dog

Why You Need Commercial Therapy Dog Insurance

Dogs are amazing creatures. They provide people with lifelong, faithful companionship and unconditional love and they make excellent pets for people of all ages. It’s no surprise then that these intelligent animals are perfect for therapy.

When you stroke or pet a dog, something extraordinary happens. The action immediately makes you feel very calm and relaxed and having a faithful friend by your side is also very reassuring and comforting. These feelings are extremely valuable for use in therapy across a range of different situations.

Therapy dogs are highly trained and certified making them a valuable asset in providing comfort to those that need it.

Therapy Dog Benefits

  • Lowering the risk and aid recovery from heart attacks, strokes, and seizures
  • Reducing stress, anxiety, and fear
  • Lowering the risk from other ailments and diseases
  • Creating calmness and lowering blood pressure
  • Encouraging interaction and giving companionship
  • Aiding recovery from those who have PTSD or other trauma
  • Providing a respite from isolation or loneliness
  • Offering comfort and reassurance
  • Helping individuals recover from the loss of a loved one
  • Creating a sense of wellbeing and love

Many different organizations use therapy dogs, including schools, hospitals, care and nursing homes, and even offices. There’s no limit to who can benefit from a therapy dog.

These dogs are highly skilled and trained animals. Training a therapy dog takes around two years and can cost up to $20,000, so it’s a considerable investment in time as well as money. Therefore, protecting these beautiful animals is essential and so is protecting your investment.

Commercial Therapy Dog Insurance

If you provide therapy dogs as a business, you’ll probably already be familiar with insurance for therapy dogs. You’ll likely have it in place already. A lot of people don’t realize, however, that the coverage tends only to cover volunteering activities. This means the insurance is only covering your therapy dogs if they engage in activities that do not involve payment.

If at any point you plan to use your therapy dogs for commercial work, you could be in for a shock if something happens and you find that your insurance is invalid. An incident could be devastating financially, so it’s important that you find an insurance that covers you for commercial therapy dogs and gives you peace of mind.

Thankfully, we have a solution!

Our solutions to Commercial Therapy Dog Insurance are designed to provide comprehensive insurance no matter what the activity is that your dog engages in. We pride ourselves on giving our customers peace of mind knowing they’re covered adequately for commercial activities.

The policy protects from claims against you as well as litigation and the coverage can be fully customized to suit your requirements. Furthermore, we cover any breed of dog, regardless of the experience they have so if you have a specific breed of dog that’s usually difficult to find insurance for, we at XINSURANCE can help you.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. Our underwriting team has over 40 years of experience so you can be reassured that we are the experts in providing insurance solutions that perfectly fit your needs.

Do You Have Adequate Coverage?

We can even have a look at your existing policy for free and tell you if it’s providing adequate coverage or not because we believe it’s essential for people to know exactly what they’re paying for. Our goal is to help you avoid any problems that arise from not having the right insurance coverage.

We always hope for the best when engaging in commercial activities, but unfortunately, in this day and age, we have become a litigious society and the only way to combat that is to make sure you have the right protection in place.

If you get a therapy dog certification through an organization, you might already have liability insurance through the organization and certification. Thus, in some cases, you might not need our liability insurance coverage but in other cases, you might! Most of the time, included insurance coverage only covers volunteering. We typically pick up where the other guys won’t cover you or if you want your own policy aside from any free offering. In any case, we can provide a free policy review and let you know if there are any gaps. If there are gaps that you want to be covered, then that’s where we can help!


Therapy dogs are a hefty investment as well as providing joy and comfort to countless people. These gentle creatures and the people who benefit from them are counting on you to protect them to ensure they can continue doing their great work whether in a voluntary or commercial capacity.

At XINSURANCE, we understand the importance of therapy dogs. This is why we’re here to provide the necessary insurance solutions to ensure these wonderful animals can keep doing what they do.

It’s easy to get in touch with us to find out more. Just hop onto our website where you can either click to receive a quote or contact us for further info. Feel free to also head on over to Twitter, Youtube, LinkedIn, Instagram and our Facebook page where you can read our reviews, ask us a question and view our updates.

Whether you’re an organization that provides dog therapy or a business allowing the use of therapy dogs, XINSURANCE can provide you with valuable advice and help in choosing the right insurance solution.

We’re happy to answer any queries you may have, even if it seems like a trivial question, don’t be afraid to ask it. Our friendly team is always willing to share their expertise.

Our protection doesn’t stop at commercial dog therapy insurance either. XINSURANCE was born out of a belief that no one should live in fear of having inadequate insurance, so why we offer a comprehensive range of liability insurance solutions that are fully customizable. We leave no gaps in your coverage whether it’s for working dogs or dangerous dog breeds. We offer coverage for exotic pets, horse carriage insurance, and more.

Whether you need insurance as an individual or you require insurance for a business, we can help. If you’ve had a hard time getting insurance, XINSURANCE can help you.

You deserve to have the best coverage possible, and we want to make that happen. We have the expertise and the knowledge to provide you with the coverage you need. Get in touch today for more information about our commercial therapy dog insurance and let’s find out how we can help you.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.