Bailee coverage is the general insurance idea of being responsible for someone else’s property while it is in your possession, and animal bailee applies that idea to living animals in your care, custody, and control. It is written to address veterinary costs or the value of an animal injured, lost, or made ill while you have it, which is exactly the gap a general liability form leaves. What triggers it, and the limit per animal and per occurrence, is set by the form and by the carrier rather than being standard across the market.
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