AmTrust has submitted a Connecticut filing to add two optional animal related endorsements to its Businessowners product, expanding coverage aimed at veterinarians and other businesses that care for animals.

The filing, submitted on March 4, 2026, introduces Animal Bailee Coverage and Kennel Cough Coverage, both requested to take effect on September 1, 2026, for new and renewal business. The forms were filed by AmTrust Insurance Company, Security National Insurance Company, Technology Insurance Company, and Wesco Insurance Company.

The Animal Bailee endorsement would cover direct physical loss or damage to domestic animals owned by others while in the insured’s care, custody, or control, including at the insured premises, in transit, or temporarily relocated to avoid a covered loss. It also includes coverage for uncollectible service charges, reward and advertising costs tied to lost or stolen animals, and certain veterinary care expenses.

The endorsement applies to businesses providing services such as examination, treatment, grooming, training, breeding, boarding, and day care. At the same time, it carves out several exclusions, including sickness, euthanasia, dishonest acts, neglect, professional errors or omissions, and testing or experimentation.

The second endorsement adds Kennel Cough Coverage. It would reimburse insureds for cleaning and disinfecting expenses, certain veterinary costs paid by customers, business income loss tied to a suspension of operations, and additional advertising expenses incurred to restore reputation after a kennel cough incident.

Business income coverage begins 24 hours after the insured receives the first report that an animal it serviced was diagnosed with kennel cough by a licensed veterinarian, and ends when operations resume or after 30 consecutive days, whichever comes first. Coverage for veterinary expenses is limited to animals vaccinated against kennel cough within the prior 12 months, unless vaccination was not possible for veterinary reasons and documented by a treating veterinarian.

According to the filing, both endorsements are optional and would be added for an additional premium at the insured’s discretion, with agent input. The filing is part of a project titled Animal Coverages and Florists Professional and remains pending with the Connecticut Insurance Department.