Pet Services & Daycare Insurance in Florida
Protect Your Grooming, Day‑Care & Pet Care Business
At FLORIDA WE INSURE AGENCY, we know caring for pets isn’t just a job — it’s a commitment to safety, wellbeing, and trust. Whether you run a dog‑grooming salon in Tampa, a home‑based boarding facility near Jacksonville, or a pet daycare center in Sarasota, your business faces unique risks: handling animals, client liability, property damage, staff or public injuries, and more.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
Key Coverages for Pet Services & Daycare Centers in Florida
Here are the core protections we recommend for dog groomers, pet daycares, and animal‑care services in Florida:
General Liability Insurance
Covers third‑party injury or property damage (such as a visitor slipping inside your salon, a dog escaping and causing harm, or a pet damaging a client’s property).
Animal Bailee / Pet Care Liability
Protects you if a pet in your care is injured, lost, or causes injury — critical for grooming and daycare operations.
Commercial Property & Contents Coverage
Insures your facility, grooming equipment, supplies, furniture, and client/pet‑related items against fire, theft, vandalism, storm damage, or other covered hazards.
Workers’ Compensation Insurance
Covers your staff in case of job‑related injuries (e.g. slips, bites, handling accidents) and protects your business from liability if staff get hurt on the job.
Business Interruption / Loss of Income Insurance
Helps cover lost revenue and ongoing expenses if your business must close temporarily due to a covered event (fire, major damage, etc.).
Umbrella / Excess Liability Insurance
Provides extra liability protection beyond standard policy limits — useful if you work with many clients, handle multiple pets, or have higher‑risk operations
Why Pet Services & Daycare Insurance Matters
When you care for animals, everyday tasks come with extra responsibility. From grooming mishaps, to escapes or bites, to pet illness or injury, to accidents on your premises — any incident could lead to claims for property damage, medical bills, or liability. Add in high customer foot traffic, equipment like bathing tubs or grooming tools, and potential weather risks if you operate near Florida’s coast, and you’ve got a heightened exposure.
Proper insurance isn’t optional — it’s essential. Pet Services Insurance gives you peace of mind so you can focus on caring for pets, rather than worrying about what happens if something goes wrong.
Why Choose FLORIDA WE INSURE AGENCY for Your Pet Services & Daycare
30+ Florida Carriers Compared
We shop multiple insurers to find the best coverage for pet‑service businesses of all sizes.
Coverage Built for Florida Risks
We understand what pet businesses face here: storms, weather‑related risks, high humidity, storm surge zones, and regulatory considerations.
Annual Policy Review & Re‑Shopping
As your business evolves — more clients, more pets, seasonal fluctuations — we ensure your coverage stays relevant and competitively priced.
Free Legal Support for Claims Disputes
If a claim is denied or delayed, our in‑house legal team will advocate for you at no extra cost.
Local Florida Agents Who Understand Your Industry
You get personal service from agents familiar with pet‑service business risks and Florida’s market.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
Pet Services & Daycare Insurance FAQs
Is pet services insurance required for a grooming or daycare business in Florida?
It depends on licensing and local regulations. Often, local authorities, landlords, or clients require proof of liability and bailee coverage. Even if it’s not strictly required by law, insurance is essential — because caring for pets involves real risk.
What if a pet gets injured or escapes while in my care — will insurance cover that?
Yes — if you carry animal‑bailee or pet‑care liability coverage, your policy can protect you from claims related to injury, loss, or damage involving pets under your care.
Does the insurance cover equipment, grooming supplies, and salon property?
With commercial property and contents coverage, your facility, equipment, furnishings, and supplies are protected against fire, theft, vandalism, storm damage, and other covered perils.
Do I need workers’ compensation if I have employees?
Yes — if you employ staff. Workers’ compensation protects both your employees and your business in case of job‑related injuries or illness.
What if I operate a small home‑based pet grooming or daycare — do I still need full coverage?
Yes. Even small operations face liability, property, and pet‑care risks. We can tailor a policy that fits your scale while keeping coverage strong.
Service areas
Areas We Serve — Pet Services Insurance Across Florida
We proudly provide insurance for pet‑service businesses statewide, including:
Pet Services Insurance in St. Augustine, FL
Pet Services Insurance in Jacksonville, FL
Pet Services Insurance in Tampa, FL
Pet Services Insurance in Sarasota, FL
Pet Services Insurance Across Florida
Keep Pets Safe
Insure Your Business Today
Don’t leave your grooming salon or pet daycare exposed to liability, accidents, or property loss. Let’s build a custom insurance plan that protects your clients, your pets, your team, and your future.
