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As a professional dog trainer you are aware of the need to carry liability insurance to protect yourself against lawsuits alleging bodily injury or property damage to others, including your clients and the dogs in your care/classes. But what about those injuries that you, your employees, or your subcontractors incur while on the job? Our agency has received a number of calls over the years from trainers that thought their training-related medical injuries were covered by their liability insurance, only to learn at the time of the claim that there was no coverage for injuries to themselves or anyone in their employ.

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Most professional dog trainers today understand the need for liability insurance to protect them against injuries to clients and others that occur in their classes and/or where they are training. We've all heard about the horror stories when a person is bitten in a class or someone gets knocked down and suffers an injury during a class. General liability insurance is designed to specifically cover these types of bodily injury claims. But what about coverage for the client's dogs in your care?

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Most trainers will agree that having some type of insurance is a good idea. Although most of us hope we never have to deal with a claim, it is better to err on the side of caution than to go without. Unfortunately, sometimes accidents can and do occur, and usually when least expected. Therefore it is typically a good idea to make sure you cover yourself for the exposures unique to your individual business.

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Whether  you offer agility, dock diving, flyball, or any type of dog sports training, you should be aware of your primary liability exposures and how most insurance companies will respond should you have a liability claim. It is particulary important to understand how liability insurers address medical expenses/bodily injury claims that occur or arise out of your training classes. As you will see, coverage can vary depending on whether an injury occurs to your client or a random spectator, or to your client's dog.  In addition, it is important to note that all general liability policies exclude injuries occuring to you or your training staff (employees/independent contractors), but you can be covered under a separate policy such as workers compensation or occupational accident insurance.

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Most trainers will agree that having insurance is a good idea. Although most of us hope we never have to deal with a claim, it is better to err on the side of caution than to go without. Unfortunately, accidents can and do occur, and usually when least expected. Therefore it is typically a good idea to make sure you cover yourself for the exposures unique to your individual business. As each trainer may be a little different from the next, it is important to learn your individual exposures to risk and to close the gaps to your comfort level.

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