Commercial insurance for pet care

Specialty insurance.Built for daycares.

A modern brokerage, launching in New York.

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/ our coverage

Modern dog daycare facility with multiple dogs at play and a staff member supervising
Upscale dog boarding facility hallway with arched suite doors at night
Standard poodle being groomed on a professional grooming table
Professional dog walker with three dogs on a New York City brownstone street
Pet sitter on a sofa with a golden retriever resting in a client's home
Dog trainer working with a German shepherd and its owner in a training studio
[ c. ]

/ the market

Commercial insurance for pet care is outdated.

  1. 01 /Brokers take weeks to return a quote.
  2. 02 /Policies are written to hide gaps operators only find during claims.
  3. 03 /The largest providers have neglected this industry and their product for decades.

Caval was built to change that.

$400–600M1
Written premium annually in US pet business commercial insurance
4
Specialty providers hold most of the market
0
Have materially updated their product in a decade
[ c. ]

/ what modern brokering looks like

The work, faster.
The coverage, better.

Legacy Broker
DAY 1
Email broker your loss runs and current dec page.
DAY 5
Receive blank 60-question paper application by email.
DAY 7
Print, fill, scan, return.
DAY 12
Follow-up email asking for clarification on three fields.
DAY 16
Quote arrives. PDF. No plain summary.
Caval
9:00 AM
Upload your loss runs and current dec page.
9:15 AM
12 confirmation questions appear, pre-filled from your documents.
9:30 AM
Submit.
2:00 PM
Quote arrives. Plain-English summary on top, full policy below.
SAME DAY
Decision in your hands.
[ c. ]

/ the difference

Three things we do differently.

No. 01

Built by pet owners.

Caval was founded after a preventable incident at a boarding facility exposed how broken this market is. That's why we're here.

No. 02

Specialty, not general.

Pet care is the only vertical Caval writes. Every policy is reviewed by someone who understands the specific exposures of the business.

No. 03

A broker today. A product tomorrow.

Caval is building toward its own insurance product, launching in 2028. Today's clients help shape what it looks like.

[ c. ]
/ in development

A promise to every pet owner, written into the policy.

Caval's pet owner reimbursement product launches with our own insurance product in 2028.

Read about Caval Direct →
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Tell us about your business.

We'll show you where your current policy is exposed and what a better one looks like. A review takes about 20 minutes.
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  1. 1Source: US pet industry commercial insurance market estimates, IBISWorld and industry analyst consensus, 2024-2025.