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Animal Rescue Non-Profit: What’s the Insurance Angle?

Kindness extended to animals at risk is personified through animal rescue organizations that attempt to save dogs, cats and other animals from being euthanized. Like any other non-profit society, related commercial insurance protects against liability risks.

Animal Rescue Organization Insurance

Animal enthusiasts that group together to advocate for animals at risk of being ‘put to sleep’ require insurance tailored to needs.

Among this type of society’s activities are the following:

  • Tracking down the animal via municipal and county animal shelter connections

  • Organizing animal transportation from the shelter to the organization’s shelter

  • Locating suitable foster care

  • Evaluating animal’s nature and character

  • Providing basic training

  • Providing basic healthcare

Though these organizations receive payment from those adopting animals, they are non-profits and utilize payments as well as donations for maintenance expenditures. Typically, each animal rescue focuses on an explicit species.

Because this type of group is volunteer-run, they have limited property exposures. Nonetheless, there are significant other perils that should be considered:

  • General Liability

  • Employee Dishonesty

  • Directors and Officer’s Exposures

  • Auto Exposure

  • Non-Ownership Exposures (for volunteers that move animals from one place to another for the society)


As within any non-profit niche, the animal rescue organization will gain better clarity on coverage benefits by contacting an experienced independent insurance agency.

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Summary: Although there are limited property risks for animal rescue organizations, there are significant other exposures.