Pet stores

Pet stores2026-08-17T23:36:38-04:00

Recommended Insurance Products for Pet stores

Business Owners Policy

Store contents, tanks, enclosures and business income.

General Liability

Customer injuries, including bites and scratches in-store.

Product Liability

Pet food recalls and treat contamination claims reach the retailer.

Cyber Liability

POS and loyalty systems holding customer data.

Crime Insurance

Livestock and high-value supplies drive shrinkage.

Workers’ Compensation

Bites, lifting and cleaning exposure.

Common questions about Pet stores

Answering the most frequently asked questions about Pet stores.

Do grooming or boarding services change things?2026-08-17T23:36:42-04:00

Substantially. Both add bailee exposure that a retail policy won’t include. Disclose them.

Are customer bites covered?2026-08-17T23:36:41-04:00

General liability responds to injury in store, including bites and scratches from animals on display.

Is my livestock covered?2026-08-17T23:36:41-04:00

Confirm specifically. Animals held for sale often need scheduling rather than a blanket contents limit.

Am I liable for pet food I sell?2026-08-17T23:36:40-04:00

Yes. Recalls and contamination claims name the retailer through chain of distribution liability.

Does selling live animals change my coverage?2026-08-17T23:36:40-04:00

Yes, and disclose it. Live animal sales carry health guarantee and zoonotic exposure.

Do grooming or boarding services change things?2026-08-17T23:07:24-04:00

Substantially. Both add bailee exposure that a retail policy won’t include. Disclose them.

Are customer bites covered?2026-08-17T23:07:23-04:00

General liability responds to injury in store, including bites and scratches from animals on display.

Is my livestock covered?2026-08-17T23:07:23-04:00

Confirm specifically. Animals held for sale often need scheduling rather than a blanket contents limit.

Am I liable for pet food I sell?2026-08-17T23:07:22-04:00

Yes. Recalls and contamination claims name the retailer through chain of distribution liability.

Does selling live animals change my coverage?2026-08-17T23:07:22-04:00

Yes, and disclose it. Live animal sales carry health guarantee and zoonotic exposure.

Reviews from Semper Insurance clients

110-35 72nd Rd, Forest Hills

5.0 23 reviews

  • Lisa Duffner’s Avatar Lisa Duffner ★★★★★ 9 months ago
    I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget.
  • Justin Wheeler’s Avatar Justin Wheeler ★★★★★ 11 months ago
    We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
  • Grigoriy Priev’s Avatar Grigoriy Priev ★★★★★ 12 months ago
    Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks

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