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Business Insurers of the Carolinas
P.O. Box 2536,
Chapel Hill North Carolina, 27515
Phone: (800) 962-4611 ext: 1
Fax: (919) 537-0750


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Frequently Asked Questions

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 Who is eligible for the LIABILITY PROTECTION POLICY?
 All active members of IACP.
 
 What liability limits are available under this policy?
 $1,000,000 per occurrence with a $2,000,000 aggregate. This is the only general liability limit available. Lower limits are not available because coverage is provided on a group policy for active IACP members only.
 
 What is Care, Custody and Control?
All general liability policies EXCLUDE coverage for damage to personal property in your care, custody or control. This means that ANY personal property, including a pet, which is in your care, custody or control, (or training class) is excluded from coverage should that property be damaged or destroyed, due to your negligence. The CCC is a mandatory coverage under the IACP Liability policy. The limit you choose will determine the amount of coverage you have for client's personal property and pets.
 
  Are independent contractors covered?
 NO, unless coverage is purchased at the rate of $25.00 per independent contractor.
 
  Is there a deductible?
Yes, there is a $100 per claim deductible for all new and renewal policies as of 9/1/2011. All policies with effective date prior to 9/1/2011, carry a $250 per claim deductible.
 
Are my Employees, Independent Contractors or myself covered on this policy if injured while on the job?
No. This policy does not cover on the job injuries to you, your employees or indepedent contractors working in your business. You will need to purchase a Workers Compensation Policy to cover these types of claims. We can offer a separate policy for this coverage if desired.
 
Are there any breed exclusions under the IACP Liability policy?
 No, there are no breed exclusions!
 
 Are there any types of training not covered under the IACP Liability policy?
Yes, the following types of training are excluded: Protection or Guard, Attack or Fighting, or Police work. 
 
 What does the "Limited Dog Training Professional Liability" limit cover?
The professional liability coverage covers you against claims alledging animal was not properly trained. Where as general liability coverage covers you while the training is actively going on, professional liability covers you after the training is completed. For example, if you were to train a dog to be less aggressive, and after training is completed, dog bites someone and alledges your training did not work.
 
 What is "Therapy Dog/Handler" coverage?
This endorsement covers you and your therapy dog while working in institutions such as hospitals, assisted living facilities, prisons, schools, etc. Please note you will need to be a member of an approved Therapy dog organization which offers evaluations, and submit a supplemental application for approval. 

 

 When will my IACP policy become effective?

Since this is a group policy designed for active IACP members, all policies are effective the first of each month. We allow up to the 15th of each month to allow for applications/payment to be received. If received after the 15th day of the month, policy will be effective the following month.

 What does "minimum earned premium of 25%" mean?

This means if you cancel your policy for any reason in the first 3 months of your policy term, the insurance company will retain 25% of your annual premium and 100% of your annual policy fee.