Kennels--Breeding, Boarding or Sales

What Does GL Code 45450 Cover?

ISO GL class code 45450 covers businesses primarily engaged in operating kennels for breeding, boarding, or sales of animals. This includes facilities that provide temporary housing for pets, offer breeding services, or sell animals directly to the public. The code encompasses the general liability exposures associated with animal care, client interactions, and property management.

Who Uses This Class Code?

This code applies to a variety of animal-related businesses such as dog boarding facilities, cat boarding catteries, professional animal breeders, pet shops selling animals, and animal daycare centers. It also includes operations that combine these services, like a kennel offering both boarding and breeding.

Common GL Claims for This Class

Common GL claims for kennels include animal bites or attacks on clients or staff, escape of an animal from the facility leading to property damage or injury, and injuries sustained by clients on the premises, such as slips and falls.

Coverage Tips for Code 45450

• Ensure your policy includes animal bailee coverage to protect against loss or injury to animals in your care, custody, or control.
• Verify that your general liability policy specifically covers animal bites or attacks, as this is a primary exposure for kennels.
• Maintain detailed records of all animals, including vaccination status and any pre-existing conditions, to mitigate potential liability claims.
• In Florida, ensure compliance with local animal control ordinances and any state licensing requirements for kennels or pet sales to avoid regulatory penalties and potential coverage issues.