Coverage Built for the Work You Do With Animals
Animal Assisted Therapy is a unique and rewarding field — but it comes with a distinct set of risks that standard business insurance often isn’t built to handle. Whether you’re a licensed therapist incorporating animals into your practice, a handler bringing certified animals into hospitals or schools, or an organization running a full AAT program, the right coverage matters.
The L.N. Davis Company understands the specialized nature of Animal Assisted Therapy and can help you find insurance that fits the way you actually work.
The Risks Are Real
Even the most well-trained, well-tempered therapy animal can behave unpredictably. An animal bites or scratches a client. A patient is knocked over during a session. Property is damaged during a visit. Without the right coverage in place, you could be personally on the hook for medical costs, legal fees, and damages — putting your practice and your program at risk.
What Animal Assisted Therapy Insurance Can Cover
General Liability Protects you if a client, patient, or visitor is injured during a session, or if property is damaged as a result of your activities or your animal’s behavior.
Professional Liability Also known as Errors & Omissions coverage, this protects you if a client claims your therapy services caused them harm — whether or not the claim has merit.
Animal Liability Specifically covers incidents caused by the animals involved in your program — bites, scratches, falls, and other animal-related injuries to third parties.
Commercial Property Covers your business equipment, supplies, and any owned facilities used in your practice.
Animal Mortality & Veterinary Coverage Your therapy animals are central to your work. Coverage options are available to protect against the loss of an animal and to help manage unexpected veterinary expenses.
Who We Work With
Animal Assisted Therapy insurance is a fit for a wide range of practitioners and programs, including:
- Licensed therapists and counselors using animals in clinical settings
- Equine-assisted therapy programs
- Pet therapy organizations and volunteer handler groups
- Hospitals, care facilities, and schools running in-house AAT programs
- Independent AAT practitioners and certified handlers
Let’s Build the Right Coverage for Your Program
Animal Assisted Therapy doesn’t fit neatly into a standard business insurance box — and your coverage shouldn’t either. The L.N. Davis Company will take the time to understand your program and put together a solution that protects you, your clients, and your animals.
To get started on your quote, call our office or click over to our quotes page. Either way, we’ll make the process simple!