Workers Compensation risk for pet care businesses

One reward of working in the pet care industry is the emotional fulfillment of working with and caring for animals, especially if you are a devoted animal lover. But caring for pets comes with its own physical challenges and risks.

For small business owners in the pet care industry, like kennels, catteries and pet hotels, who have employees looking after the animals that are in their care, this means a substantial business risk. Employees are entitled to be compensated for any physical harm that they come to in the course of their duty of work.

There was a recent *case  of a kennel assistant who was struck by two cars when he chased a customer’s dog who ran into a highway suffered an injury that arose out of the course of his employment. The court ruled that he was entitled to workers compensation.

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While animals’ behavior can be unpredictable and such incidents can not really be controlled, business owners can still take steps to minimize their unexpected losses when such mishaps do take place, as they most likely will, some time or the other when you are operating in the pet care industry. This is where insurance comes in.

Having your pet care business insured adequately goes a long way in preventing unexpected losses from hitting your bottom line when you are working so hard to grow your business successfully. You may sometimes need expert insurance advice to ensure you have the right covers and adequate protection which is perfect for your business, because being over-insured is equally bad as it drains your funds for something that you don’t need.

Many pet care business owners find it very beneficial to have their business insured with a specialised pet care industry business insurance provider. One of the benefits of using an industry expert is their industry-specific advice and guidance on how to mitigate the risks like workers compensation, third party liability and so on.

One of the leading specialist pet industry business insurance providers in Australia is Petplan Professional Insurance. With a brand name that is practically synonymous with ‘pet care’ and ‘outstanding customer service’ all over the world and the solid backing of QBE, this insurance product is becoming more and more popular with vets, breeders, kennels and pet retail businesses. It is easy to obtain a Petplan Professional Insurance quote by submitting a request on the website.

However, as they say, prevention is always better than cure. It is always recommended to keep the workplace as safe as possible and follow all the safety guidelines and procedures. We know animals can sometimes be unpredictable, but taking precautions means reducing the likelihood of incidences of physical harm to employees.

At the end of the day, everyone who chooses to work in this fur-filled and love-filled industry has to embrace a little bit of risk in order to reap the wealth of happiness and satisfaction that working with animals has to offer.

* Ref.: http://valawyersweekly.com/2008/06/23/workers%e2%80%99-comp-arising-out-of-kennel-assistant/#ixzz36N0On9rR

 

Pet Cancer Symptoms

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How can you identify cancer in your pets? Well, first and foremost it is important that we clarify a few of the myths that surround pet cancer. People may believe that if their pet has cancer he would be sick, show signs of pain and discomfort, and that there would be some symptom. These are myths. Check out Dr. Ken Wyatt’s Pet Cancer Myth Busters here. Here are some facts that will help you understand pet cancer better.
Cancer can cause symptoms because:
There is a lot of it. It forms lumps or tumours and these squash something else stopping it working. For example, some dogs with anal sac carcinoma, a tumour that grows right next to their bum, will show constipation as their first symptom because the tumour leaves no room for anything to pass.
It is leaking a hormone into the blood. Example? Lymphoma in some dogs produce a hormone called PTH-rp. Normally, we all make tiny amounts of this before we are born. If the cancer switches on production again, the hormone strips calcium from the bones, which makes the blood calcium go high, which stops muscles working, making the dogs lethargic and not want to eat (because the gut muscles become weak too).
They leak fluid. Sometimes watery fluid. Sometimes blood. Most often INSIDE the body which then means the first symptoms are shallow breathing (if the fluid is in the lung – note NOT coughing) or a swollen belly. External bleeding from the nose, mouth or bum is easier to notice and of course can be due to things other than cancer.
They can invade into nearby body parts. Example? Bone cancer invades through the normal bone nearby, causing pain – usually lameness.
If it grows on the outside it may be an obvious lump. Don’t expect your vet to have magic fingers. Few tumours can be reliably diagnosed by looking at them or feeling them. In fact, I see more cancers that are MIS-DIAGNOSED because a biopsy wasn’t done (the lump was assumed to be harmless) than I see tumours CORRECTLY diagnosed without ‘needing’ a biopsy.
So, how to pick up cancer in your pet? Lumps obviously should be checked, and tested (or repeat measures are made and tested if growing). Any dog or cat that seems old before their time needs a check-up. ANY symptom that isn’t going away or responding to symptomatic treatment needs review, and referral . If your vet doesn’t think cancer is likely, then ask for referral to a specialist in Internal Medicine (basically the best people to diagnose difficult cases). If it IS cancer, they can pass you on to an Oncologist. It is true that early diagnosis doesn’t help EVERY cancer patient, but late diagnosis hurts many.
This article was written by Dr Ken Wyatt, BSc BVMS FANZCVS, Registered Specialist in Veterinary Oncology with Perth Veterinary Oncology, Perth Veterinary Specialists. This blog was published in collaboration with Dr. Ken Wyatt, by the furry family at Petplan Australasia. Petplan Pet Insurance specialises in animal and animal industry insurance. Our practices keep the role that pet insurance plays in responsible pet ownership and the health of the pet at the forefront. For tips to keep your pet healthy, make sure you follow us on Facebook.

About Petplan

Petplan Business Finder has been developed as a service to pet owners and related businesses throughout Australia. Since the early days of Petplan we are proud of the relationships we have nurtured with the animal welfare community and we aim to offer more than just insurance cover.

We already work closely with breeders, pet charities and the veterinary profession and are pleased to extend this to boarding kennels, catteries and other pet-related businesses.

The new search facility will allow you to locate a range of businesses in your area. Many of these will have insurance cover with Petplan, giving you extra peace of mind when you go on holiday or need to arrange for someone to care for your pet at home.

New businesses may be added every day so if you are unable to find a suitable business today remember to visit again soon.

Professional Insurance

Petplan Professional offers an extensive range of insurance covers that can be tailored to suit the needs of any practice; provides protection for our corporate partners pets; and general insurance and life products for personal coverage.

Petplan Professional provides peace of mind and delivers financial protection against an array of insured events.

Click here to complete an online application form or to request us to contact you with more information.

Please contact the Petplan Professional team to assist you with any enquiries on 1300 738 225 or email info@petplanprofessional.com.au.