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Running an animal welfare organization 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.
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.
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 a 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 rescue 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 services insurance professional.
Brian Bingham, Vice President of Commercial Lines, shares the importance of adequately protecting your zoo, aquarium or animal rescue organization and highlights how Higginbotham can serve as your insurance and risk management partner.
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.
We serve a wide variety of animal welfare businesses and nonprofits across the country. Our animal welfare insurance clientele includes:
Hear from Chris Luna, President & CEO of the SPCA of Texas, and Brian Bingham, Higginbotham’s Animal Welfare Specialty Practice Leader, as they share how Higginbotham has been instrumental in reducing claims, enhancing coverage and supporting the mission of the SPCA of Texas.
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.
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.
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 insurance can help with the costs of being sued if your product harms someone’s pet. It can also offset expenses like vet visits, economic damages, compensatory damages, attorney fees, court costs and more.
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’ 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 may also provide a death benefit to the family of a covered employee who is killed on the job.
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.
Also known as errors and omissions (E&O) 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.
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 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.
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.
Animal shelters typically require a combination of coverages, including general liability, property insurance, animal bailee coverage, workers’ compensation and volunteer accident insurance. Depending on their operations, additional coverages like professional liability, commercial auto and special event insurance may be appropriate.
The cost of insurance for an animal rescue organization depends on factors like location, number and type of animals in care, staff size, number of volunteers and the scope of services provided. Insurance carriers evaluate these and other operational details to determine premiums. A licensed insurance professional can help assess your specific needs and identify suitable coverage options.
It depends; some animal shelter insurance policies offer coverage options for volunteers. This could include volunteer accident insurance or liability coverage when volunteers are acting on behalf of the shelter. It’s important to review your policy terms with your insurance advisor to determine how volunteers are addressed.
Some insurance policies may offer coverage for offsite events and fundraisers, but this often depends on the policy’s scope and any applicable endorsements. Some policies specify the exclusion of special events that include animals. It’s best to speak with your insurance advisor to confirm whether special event coverage is included or if it needs to be purchased separately.
Without insurance, an animal rescue could face significant financial exposure from claims events like property damage, bodily injury or legal claims involving animals, staff or volunteers. Even a single incident could result in devastating financial and reputational impact. Insurance can help protect your organization’s operations and its long-term success.
Insurance costs for a petting zoo depend on several variables, including the species and number of animals, location, staff size and the level of public interaction. Due to the unique nature of each operation, insurance premiums are typically determined on a case-by-case basis by the insurance carrier.
When insuring a zoo or animal park, it’s important to consider coverage for risks related to animal mortality, public liability, staff safety, property and environmental exposures. The types of animals, level of visitor interaction and overall operations can influence coverage needs and underwriting requirements.
Yes, insurance options may be available for specific animals, such as horses or exotic species, depending on the insurer and the nature of the risk. Policy terms may vary, and certain animals could require specialized underwriting or additional documentation.
A great plan starts with a conversation. Let’s talk about what you need.