INSURANCE INSIGHTS
David Pearsall is a licensed insurance agent and co-owner of Business Insurers of the Carolinas , an insurance agency specializing in business insurance for pet related services since 1992 . David and his team have managed insurance programs for many national pet services associations , including the APDT Insurance Program since 2001 . A licensed agent in all 50 states , he holds both the Certified Insurance Counselor ( CIC ) and the Certified Workers ’ compensation Advisor ( CWCA ) designations . Contact David at DP @ Business-Insurers . com or visit Business Insurers on the web at www . DogTrainerInsurance . com
Recent General Liability Claims :
• During the training session dog started limping and had a hard time walking . The dog was taken to the vet and had incurred a minor fracture on hind leg . Total paid , $ 2,921 .
• Dog suffered a fall while running an agility course during training and broke its leg , requiring surgery . Total paid , $ 10,166 .
• During the screening for a new dog to attend the training / daycare facility , the dog was bitten on the face by another dog at the facility . Total paid , $ 2,017 .
• Dog ’ s paw was cut while being groomed and required stitches . Total paid , $ 647 .
• While being boarded , a dog was running around playing outside . The dog suddenly stopped and could not walk . The dog was taken to the vet , and it was determined he had suffered a spinal injury . Total paid , $ 11,831 .
• Dog ran away while being boarded for training lessons at the trainer ’ s home . The dog was later found but had been hit by a car . Total paid , $ 8,500 .
• During a training session , two dogs began fighting over a treat . The smaller dog was injured and required an overnight stay at the vet . Total paid , $ 4,106 .
• Dog bit a man on the leg who was attending a group training class with his dog . Total paid , $ 3,500 .
Recent Worker ’ s Compensation Claims :
• An employee was placing a water bowl down for dogs . Dogs began to drink the water spilling some on the floor . While walking away the employee slipped on the water suffering injuries to her neck and back . Total paid , $ 3,746 .
• During a training class , a dog ran into employee ’ s knee causing injury . Total paid , medical and indemnity $ 30,813 .
• Two dogs began to fight . The trainer ’ s employee suffered bites to leg while attempting to separate them . Total paid , 1,940 .
26 Building Better Trainers Through Education Photo : Adobe Stock