Commercial General Liability Insurance

The liability policy protects Bright & Beautiful Therapy Dogs, Inc. and its members from negligence causing bodily injury and/or property damage to a third party. Coverage territory is the United States of America (all 50 states).

This insurance is primary and pays from the first dollar and coverage is non-breed specific.

  • $2,000,000 per Occurrence/$4,000,000 Aggregate – Bodily Injury/Property Damage with no deductible.

We also have Fire Damage Legal Liability, Medical Payment Reimbursement (on a no-fault basis for medical expenses incurred by non-members of B&BTD during organized B&BTD functions), and Contractual Liability and Training Class Protection.

Accident Policy

All members of B&BTD and all designated persons volunteering at our organized events are covered with a maximum benefit for accidental death or dismemberment of $10,000, no deductible.

Injury means bodily injury of an insured person resulting directly and independently from all other causes from an accident, which occurs while he/she is participating in a “covered activity”.

This policy does not provide coverage for sickness and the maximum dental expense limit is $250.00.

This primary insurance pays from the first dollar and provides protection for B&BTD members and volunteers for all organized B&BTD functions.

Insurance Policy Limitations:

  • Insurance coverage is only applied to B&BTD sponsored events.
  • Members must be in good standing with B&BTD to be eligible for our protection.
  • Members must not use their therapy dogs for any form of compensation to be covered by our insurance.
  • Members must perform within our Guidelines and Health Requirements to be covered by
    our insurance.

Note: Protection does not extend to the Therapy Dogs; they are the owner/handler’s sole responsibility.

The Bright & Beautiful Therapy Dogs, Inc.


The Bright & Beautiful Therapy Dogs, Inc. is a non-profit 501 (c) (3) all volunteer organization. We do not accept monetary compensation for our visitation. Testing fees and membership fees are donations and are tax deductible.

Contact Us

80 Powder Mill Road, Morris Plains, NJ 07950
Phone: (973)292-3316
Toll-Free (888) 738-5770
Fax: (973)292-9559