And the Questions That Nobody Is Asking
At RSM Tasmania, the local insurance broker Tasmania trusts, we’ve noticed an unusual workplace trend creeping into more offices: dogs, cats, and even the occasional lizard.
More Tasmanian businesses are opening their doors to pets, and while this can boost morale and reduce stress, it also raises some quirky (and serious) insurance questions.
Why Pets at Work Are on the Rise
Big companies like Google and Amazon have long allowed pets, and now smaller businesses are catching on.
In Tasmania, pet-friendly policies are often about culture — creating a happier, more relaxed atmosphere. It’s no secret that a pup snoozing under the desk can be good for staff wellbeing and even improve productivity.
But before you hang the ‘pets welcome’ sign, think about the risks.
Employers in Tasmania should take note of WorkSafe Tasmania’s guidance on pets at work, which highlights hazards like slips, allergic reactions, and animal behaviour, and urges employers to plan for these risks.
WorkSafe Tasmania Public Liability insurance may help in claims (e.g. a client tripping over a dog lead), but only if your policy is updated to explicitly recognise animals on premises.
Insurance isn’t the first thing people associate with Fluffy or Fido — but maybe it should be.
The Liability You Don’t Expect
Imagine this: a client comes in, trips over a dog lead, and sprains their ankle. Or a cat scratches a visitor. Suddenly, you’re not just managing customer service — you’re managing a potential claim.
Public liability insurance can step in here, but only if your policy recognises pets on premises.
The same applies if staff bring in their animals. If an injury occurs during work hours, questions about workers’ compensation and employer liability aren’t far behind.
Damage Control – Literally
Pets can also cause property damage. Chewed chair legs, scratched walls, or worse — damage to technology.
If a dog manages to knock over an expensive monitor or server, will your business insurance cover the cost? Not always. It depends on your policy wording and whether animals are noted as part of your environment.
Setting Rules (and Reducing Risk)
The good news is you don’t have to ban pets to stay covered. Instead, set some ground rules:
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- Only allow well-trained pets with up-to-date vaccinations.
- Require owners to use leads, carriers, or barriers where needed.
- Create designated pet zones away from sensitive equipment.
- Update your insurance broker so your policy reflects the change.
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Why Talk to Your Broker First
Welcoming pets is fun, but you don’t want to discover gaps in cover after the fact.
At RSM Tasmania, we can help review your policies, identify risks, and recommend the right cover so that your workplace stays both pet-friendly and safe.
Because whether it’s wagging tails, purring cats, or curious geckos, peace of mind is best served with the right insurance.
Remember, this article is general in nature and doesn’t take into account your specific objectives, financial situation, or needs. For advice tailored to your circumstances, have a chat with us at RSM Tasmania Insurance Brokers Hobart.
Talk to Roger Hosie and stay ahead with RSM Tasmania’s insights.
Call Now! (03) 6244 7854, or email .
