Does a Pet Daycare Need Commercial Insurance?

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People who choose to open up their own pet daycares in Hershey, PA tend to have a deep passion for working with animals. They want pet owners to have the option to leave their pets with a trustworthy babysitter while at work or away on vacation. There are a variety of services offered by most pet daycares, and if you are the owner of one, it is imperative that you maintain proper insurance on your business. Let’s look at whether or not a pet daycare needs commercial insurance from Options Insurance Agency. 

Workers’ Compensation

There are many types of insurance that you may need to invest in when operating a pet daycare. For starters, if you have employees working for you, then you will need to purchase a workers’ compensation policy. This will allow you to have peace of mind in knowing if an employee gets injured while performing a work-related duty, your insurance can cover such things as the employee’s lost wages and more. The exact types of coverages that workers’ compensation insurance provides can be found in the fine print of the policy. 

General Liability and Umbrella Insurance

You’ll also want to buy general liability insurance. This way, if someone gets injured while on your business property, you can rest easy knowing you can’t be held responsible for bodily injury or property damage expenses. It is possible, however, for the limits of your policy to be exhausted, which is why considering an umbrella insurance policy is always a smart move to make. 

Business Owners

Another type of valuable insurance a pet daycare can purchase is a business owners policy, which usually includes general liability coverage as well as various forms of specific property damage coverage.

If you would like to learn more about the types of insurance that a pet daycare needs, please contact the Options Insurance Agency, serving the Hershey, PA area, today. 

Does my Home Insurance Cover Flood Damage?

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One of the most confusing situations a homeowner may find themselves in is having a flooded home. Some floods are caused by a leaking water heater, a broken appliance, frozen or burst pipes, or an overflowing pool or sink. These are covered by home insurance, but some situations are not covered. You may need a special coverage from an insurer like Options Insurance Agency in Hershey, PA for flood damage.

When doesn’t a home insurance policy cover flood damage?

The following are situations that your standard home insurer will not cover in case of flood damage:

Rising water from heavy rains or storm

Essentially, any flooding that’s caused by nature is not covered under your home insurance plan. Flood insurance is the only coverage that will protect personal belongings and appliances that are damaged due to floods, but it won’t cover the structure (floors or ceilings). Once you take out a flood plan, you still need to get coverage for protecting your possessions (home insurance).

Damage caused by unresolved maintenance problems

While your homeowner’s coverage will help with the cost of repairing or replacing the damaged possessions, the coverage will not protect you if the damage came from a maintenance issue that you had not resolved. Problems can include a continuous leak near a faucet or any other plumbing fixture.

Water backup from a drain or sewer

You won’t be covered by your homeowner’s policy when water backs up into your house via an outside drain or sewer. However, you can buy an additional water or sewer backup coverage that can help in this kind of event.

Although it’s important always to carry out routine home maintenance to prevent water damage, you need to have flood insurance coverage to protect your possessions in case of floods caused by nature. Contact Options Insurance Agency that serves the Hershey, PA area for more information and a quote.