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The Federal Highway Administration database claims that the total number of reported collisions in the U.S. are around 300,000 per year, with many more going unreported for various reasons. Colliding with an animal is a traumatizing experience for all involved, and it's important that every driver knows what to do when it does. Here are some tips to avoid hitting animals in the first place, and how you should handle it if you do.

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Most trainers will agree that having insurance is a good idea. Although most of us hope we never have to deal with a claim, it is better to err on the side of caution than to go without. Unfortunately, accidents can and do occur, and usually when least expected. Therefore it is typically a good idea to make sure you cover yourself for the exposures unique to your individual business. As each trainer may be a little different from the next, it is important to learn your individual exposures to risk and to close the gaps to your comfort level.

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As a professional dog trainer, you are aware of the need to carry liability insurance to protect yourself against lawsuits alleging bodily injury or property damage to others, including your clients and the dogs in your care/classes. But what about those injuries that you, your employees, or your subcontractors incur while on the job? Our agency has received a number of calls over the years from trainers that thought their training-related medical injuries were covered by their liability insurance, only to learn at the time of the claim that there was no coverage for injuries to themselves or anyone in their employ.

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Most professional dog trainers today understand the need for liability insurance to protect them against injuries to clients and others that occur in their classes and/or where they are training. We've all heard about the horror stories when a person is bitten in a class or someone gets knocked down and suffers an injury. General liability insurance is designed to specifically cover these types of bodily injury claims. But what about coverage for the client's dogs in your care?

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When Hurricane Katrina touched down in 2005, humans were not the only species affected by its destruction. And because emergency relief agencies were not in the business of saving pets, nearly half a million animals were left behind, devastating many owners and causing public outrage on their behalf. Passed in 2006 as a direct result of Hurricane Katrina, the Pet Evacuation and Transportation Act now requires state and local agencies to consider pets and service animals in their emergency preparedness plans. While most of us won't experience a disaster like Hurricane Katrina in our lifetimes, it's still up to us to consider our beloved companion animals when planning for emergencies, big and small. Here are a few things you can do:

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