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Is It Insured? Pets in the Office

Is It Insured? Pets in the Office

In this world of impossible deadlines and never-ending stress, employers are looking for ways to make the work environment more pleasant for workers. One way that is becoming increasingly common is by allowing pets in the office. A study by Virginia Commonwealth University finds that office dogs actually reduce stress. The question is, what does your insurance say about dogs or other pets in the workplace? Let’s find out. FUN FACT: Take Your Dog To Work Day is an actual holiday! This year it falls on Friday, June 21, 2019. Things To Consider Before allowing dogs in your workplace, there are a few things to consider: Do you own a business that would be affected by dogs? Restaurants and other food-related operations may find themselves up against health violations by having a pet in the workplace.Does your landlord allow animals in the building? Some buildings may prohibit animals of any kind.Are any of your employees allergic to or afraid of certain animals? Assuming you are ok on all of the above, it’s important to make sure that the pet you are bringing in is clean, housebroken and properly trained. Does Your Policy Cover It? Most business insurance applications don’t even ask if you allow animals in the workplace. As it becomes more common, this may change. The Commercial General Liability coverage form (CG 00 01 04 13) does not have a specific exclusion that addresses animals. However, the Insuring Agreement does include this gem: The insurance company asserts they will have “no duty to defend” for any suit against which “this insurance does not apply”. What does that mean...