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Animal Welfare Organization Insurance

Coverage that gets tails wagging.

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Spotlight on: Animal Welfare Insurance

Protection for those who protect.

If you work in the animal welfare industry, then you’re always looking for opportunities to reduce your overall cost of risk.

Higginbotham helps you fulfill that mission. We’re a customer inspired insurance and financial services firm with more than 30 years’ experience with animal-related businesses.

We help lower costs by securing coverage that fits your risk profile and budget, and we bring year-round value with our loss control services.

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You deserve a seasoned partner who understands your business.

Animal welfare is complicated business.

That’s why we have deep insurance carrier relationships to meet the needs of your industry.

Regardless of your insurance needs, our custom coverage options are designed with your business in mind. From small veterinary clinics to the largest animal welfare organizations in the U.S., we can secure the coverage you need at a price that makes sense for your budget.

The Higginbotham Difference: Helping Protect Your Pack

With your organization in mind, we get to work.

Our prices are competitive, our fees are clear and our deep industry relationships allow us to provide customized solutions while delivering year-round value.

Whether you operate an animal welfare nonprofit, veterinary clinic, zoo, manufacturing plant, kennel or anything in-between, our know-how knows. It knows your business. Ready to work with a broker who works as hard as you do?

Planning coverage that safeguards you from the many risks faced by an animal welfare business can be overwhelming.

Not with Higginbotham as your partner.

We start with listening and end with custom insurance solutions. By making policies personal, we help you accomplish more. Our deep industry experience and strong insurance carrier relationships help us get things done that others can’t.

Because while insurance is our something, our customers are our everything.

Talk to a seasoned animal welfare insurance professional.

Request a Quote Let’s TalkIt appreciates your dedication. And it offers the peace of mind you need with the transparency and accountability you want.

We help you prevent and minimize loss—not just cover it. Our team of risk management specialists assess your total operation to identify vulnerabilities and craft a risk management program that supports your business philosophies, financial position and risk tolerance. As your animal welfare organization insurance partner, we help you develop an integrated program that puts you in control of your human, physical and contractual risks.

By making policies personal, Higginbotham is a place that leads with values so value leads.

To learn more about how our values-based approach creates value for you and your business, click here.

Or visit our Insights page to learn more about animal welfare insurance options.

Ready to work with a broker who works as hard as you do?

Planning coverage that safeguards you from the many risks faced by an animal welfare business can be overwhelming.

Not with Higginbotham as your partner.

We start with listening and end with custom insurance solutions. By making policies personal, we help you accomplish more. Our deep industry experience and strong insurance carrier relationships help us get things done that others can’t.

Because while insurance is our something, our customers are our everything.

Talk to a seasoned animal welfare insurance professional.

Request a Quote Let’s Talk

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Our Farm and Ranch Clients

We serve a wide variety of animal welfare businesses and nonprofits across the country. Our animal welfare insurance clientele includes:  

Humane Societies and SPCA Organizations

Aquariums, Zoos and Exotics

Associations, Coalitions and Welfare Organizations

Animal Products Manufacturing, Including Food

High Risk Animal Related Operations

Animal Sanctuaries of All Types

For Profit and Nonprofit

Veterinary Hospitals and Clients

Animal Husbandry

Kennels and Shelters

The SPCA of Texas has been doing business with Higginbotham for over 20 years and I would highly recommend Brian Bingham for your insurance needs. Brian understands the particular risks that come with our rewarding animal welfare work and also is sensitive to keeping costs down for nonprofits. Not only is Higginbotham a strong business partner, Brian goes beyond the call of duty by assisting our Safety Committee mitigate organizational risk. It is hard to find that level of commitment and concern. I am happy to recommend Brian and Higginbotham for all your animal welfare insurance needs.

President & CEO
Karen F.
President & CEO, SPCA of Texas

Brian and the team at Higginbotham did something I didn’t think was possible from an insurance broker. They brought a personal and small town feeling to our global insurance needs in an industry that most don’t understand. We were looking for a partner that would be more than just an insurance broker to help us lower our costs in the short and long term; we were looking for someone who understood what we did. Brian and the Higginbotham team took great care to bring us the best value and lower our overall cost of risk substantially, and did it with the most open door policy we have ever experienced. The partnership we have with Higginbotham, coupled with risk management and keeping costs down, has been invaluable to us.

COO
Andrew W.
COO, Turtle Survival Alliance

Common Animal Welfare Insurance Coverages

While your insurance needs will vary based on your operation, certain coverages make sense for most animal welfare organizations to consider.

Here are some of our most popular animal welfare coverage options.

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Third Party Liability

Third party liability coverage is a broad category of insurance that includes protection designed to cover the legal liability of one party to another party. Some common examples of coverages that typically have third party components include commercial auto insurance, commercial general liability, errors and omissions and employment practices liability.

Animal Bites and Damage

Also commonly known as “dog bite liability,” this coverage is designed to address liability created by an animal bite. Often found in homeowners policies, this coverage is crucial for animal owners to carry.

Product Liability

This coverage is designed for the risk of your product causing damage to a third party. Especially crucial for toy and pet food manufacturers, product liability can help with costs of being sued if your product harms someone’s pet. It can typically pay for expenses including: vet visits, economic damages, compensatory damages, attorney fees, court costs and more.

Volunteer Insurance

 

Encompassing both volunteer liability and volunteer accident coverage, this specialized insurance is commonly carried by nonprofits and other organizations that use volunteer labor. While volunteer accident focuses on the liability of the organization should a volunteer be injured, volunteer liability is designed to cover volunteers’ liability should they injure a third party.

Workers’ Compensation and Alternative

Workers’ comp coverage can provide medical and wage benefits to employees who sustain an injury or become ill “in the course or scope” of their job. This coverage can also provide a death benefit to the family of a covered employee who is killed on the job.

Animal Mortality

This coverage is designed to help with the cost of a loss or theft of a domesticated animal. Popular with equine businesses, animal mortality insurance is also commonly carried by entertainment professionals who work with animals.

Professional Liability (E&O)

Also known as “errors and omissions insurance,” professional liability protects against the risks of making an error or omission in the process rendering professional advice. Designed to help with the costs incurred from a lawsuit alleging negligence, this coverage can also often help with copyright infringement and personal injury.

Business Management

Also commonly known as “management liability insurance” or “directors and officers” (D&O), business management coverage is tailored to exposures faced by officers, directors, managers and business entities resulting from mistakes or negligence in governance, finance, benefit administration and management.

Cyber and Data Breach

Cyber coverage is designed to address the risks created by storing and utilizing sensitive data on a computer or cloud server. If your organization falls victim to a cyberattack, this insurance can help with the cost of response, recovery and remediation.

Animal Welfare Risk Management

At Higginbotham, we help you prevent and minimize loss—not just cover it.

Higginbotham delivers year-round value with our Day Two Services® that support your risk management efforts throughout the term of your insurance policies.

We combine our pre- and post-loss capabilities for a 360-degree risk solution. To prevent loss, we identify exposures, review contracts, conduct safety training, validate certificates, support compliance and provide technology tools. To minimize loss after a claim, we report claims to carriers, analyze the insurance policies involved, work to maximize recoveries, offer litigation consultation and respond during catastrophes.

Our Day Two Services® help reduce your total cost of risk.

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Work with an insurance broker who knows your industry.

A great plan starts with a conversation. Let’s talk about what you need.

Talk to an Animal Welfare Organization Insurance Specialist

Request a Quote