Animal Shelter Insurance

Animal shelter liability insurance is a specific type of coverage tailored to protect animal shelters and rescues from legal and financial risks, such as injuries or damages caused by the animals in their care. This insurance helps cover costs from claims related to bodily injuries, property damage, and other liabilities specific to the operations of animal shelters and animal rescues.

Yes, our insurance solutions can be designed to include coverage for volunteers, protecting against claims resulting from their actions while they are performing duties on behalf of the shelter or rescue.

Coverage for special events and fundraisers can be added to your policy as long as each specific event is scheduled, ensuring protection for situations that may arise during these activities outside the normal shelter operations.

Our animal shelter insurance solutions are designed to cover a wide range of activities and incidents that occur within the shelter or during shelter-sanctioned events. However, it does not extend to cover incidents that might occur in the homes of our generous foster parents. Recognizing the vital role foster parents play in the caregiving process, we provide the option for each foster parent to be covered by an individual insurance policy. This policy is specifically tailored to protect foster parents from liability and help manage the unique risks they face while a fostered animal is under their care and control. This ensures that both our foster parents and the animals they cherish are protected, even outside the shelter environment.

Yes, XINSURANCE provides animal rescue insurance solutions. Understanding the crucial differences between animal rescues and shelters is important when tailoring insurance policies. While both are dedicated to the welfare of animals, rescues often operate through a network of foster homes without a central facility, whereas shelters usually have a physical location that houses the animals. Despite these differences, the coverage needs for rescues and shelters can be quite similar, including protection against liability, property damage, and care, custody, or control issues related to the animals themselves.

At XINSURANCE, we recognize these nuances and offer liability insurance solutions for animal rescues that can be customized according to their specific operations and needs. Our solutions are designed to address the unique risks faced by rescues, from events and adoption activities to the varied locations where animals are fostered. Whether your rescue is small and growing or well-established with a large network of foster homes, we can adjust the coverage to meet your specific requirements.

Many insurance companies have exclusions or limitations on coverage for certain types or breeds of animals, especially those considered exotic or inherently dangerous. However, XINSURANCE does not have such exclusions – we can provide liability coverage solutions for all types of animals and breeds, even if they have a bite or claims history.

While not universally required by law, some states or municipalities may have regulations that mandate certain types of insurance for organizations that operate within their jurisdiction. We can help you determine whether or not it is legally required in your area.

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

Costs can be influenced by the shelter’s location, size, number of animals cared for, types of animals, services provided, claims history, the selected coverage limits, and more. It is best to contact XINSURANCE and tell us more about your shelter or rescue so we can provide you with a personalized animal shelter insurance quote.