INSURANCE INSIGHTS
or your team members are going into clients ’ homes to perform training or another service , keep your customers and prospects in mind and if you have a bond in place be sure to let them know and include in all marketing that you are insured and bonded .
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 Liability Claims :
• During a board-and-train , a dog ingested a towel that created a blockage that required surgery . Total paid , $ 5,656 .
• Dog escaped the home / yard of the trainer and entered an unattended open dog transport vehicle . The door to the vehicle was closed remotely . When the dog was found it was rushed to the vet . Total paid , $ 5,146 .
• Scuffle occurred between two dogs during a training class . One dug suffered a quarter-size laceration that required medical attention . Total paid , $ 685 .
• Dog ate a rock while playing between training sessions and required surgery . Total paid , $ 1,913 .
• Dog ’ s ear was torn during a play session at trainer ’ s home . Total paid , $ 1,259 .
• Client fell on ice when approaching the facility outside classroom door suffering injury . Total paid , $ 2,138 .
• Dog exhibited signs of a bite on face during training class as face started to swell . Dog was taken to the emergency vet for treatment . Total paid , $ 434 .
• Dog tore dew claw while engaging in a training activity . Total paid , $ 273 .
• Dog was running agility course during training class and landed wrong , breaking its leg . Total paid , $ 7,533 .
• During training two dogs got into a fight and one was bitten near the eye . Total paid , $ 436 .
Recent Workers Compensation :
• Employee was bitten on the arm and hands during a training session . Total paid , $ 1,472 .
• Dog bit trainer while attempting to place collar back on dog after it had fallen off . Total paid , $ 401 .
• Employee was bitten on the fingers while giving a dog a treat . Total paid , $ 1,077 .
30 Building Better Trainers Through Education Photo : Shutterstock