Insurance for Pet Care Services
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Coverage Plans for All Your Needs
Essential coverage to operate as Pet Care Service
General LiabilityInstant quote »
- Coverage against claims from bodily injury, property damage and personal injury
- Coverage for products/completed operations
To protect your customers and your property
General Liability + Property (bundle them with a BOP)Instant quote »
All Basic plan benefits and:
- Bodily Injury
- Damage to third party property
- Business Personal Property
- Personal Injury
- Lost business income
- Equipment Breakdown coverage
Get protected against employment-related issues
General Liability + Property and Workers Compensation*Instant quote »
All Standard plan benefits and:
- Coverage for work-related accidents and disease and subsequent:
- Ongoing medical care (such as rehab)
- Missed wages during recovery
- Statutory Liability limits
*plus Workers Compensation
We've Got You Covered with Coverage You Need
Consider the care you provide for many pets, and the illness or injury to them and your employees as well. There is also the potential for damage or issues to your workplace, and insurance will assist with repairs or replacement after damage or destruction from covered events. Depending on the depth of your work there is professional coverage that helps keep you out of court if a client is unhappy with your work.
Business Owners Policy
Incorporates several protections like property insurance, liability insurance and crime protection into a single comprehensive policy. Business Owner's Policy (BOP) protects your personal property when you provide petcare services, and your business when a claim is made against you.
Also referred to as Business Liability insurance, General Liability insurance protects your business from claims due to bodily injury or property damage that could happen during daily business operations. It covers some of the most common lawsuits that could occur in your pet care services.
Even if you are self-employed, an investment in Workers' Compensation can protect you financially in the event that you are injured by a pet in your care and need to take time off work or access to medical treatment.
Your computer system is essential to your business. That is why it is important to make sure that you protect it from cyber crimes like data breach that could cause potentially huge financial losses to your business. Cyber Liability insurance helps cover the costs of consulting and forensics to identify and resolve the issue.
If you are a dog trainer and provide a client with advice which they later feel has negatively impacted their pet, a claim can be filed against you. In this case, having Professional Liability insurance will protect your reputation against anyone who is dissatisfied with your services.
Sure, you have pet insurance to protect your business, but do you have one that protects the health and welfare of your employees? Health Insurance covers the medical costs, medication and hospitalization of your employees in case they are sick or injured. The insurance reimburses the expenses incurred from the illness or injury or can pay to the care provider directly.
Frequently Asked Questions
Do you need a license to be a pet sitter?
Pet sitters do not need a license to operate. Although it is advisable to get one since you'll need it to get General Liability Insurance.
What does it mean to be bonded and insured as a pet sitter?
Being bonded means that you have purchased a surety bond, or a promise by the surety or guarantor to pay a certain amount to one party if the other fails to meet some obligations. Being insured means you carry General Liability insurance that protects your business from common lawsuits occurring in a pet sitting business.
What is an Animal Bailee?
Animal Bailee is a coverage for the loss or damage of an animal under your care. It covers damage to an animal in your care resulting from theft, fire, escape, flood, vandalism, attack from other animals and many other incidents not related to treatment.
What are Dog Groomers and Dog Trainers all about?
Dog Grooming Dog groomers provide aesthetic, health and cleaning services for dogs. There are several reasons as to why someone would have their dog groomed. These reasons can include cleaning and trimming a dog’s fur for hygiene, health or for a show in a competition. Regardless of the reasons, clients will entrust dog groomers to care for their dogs without incident.
Dog Trainers Dog trainers work to condition dogs to adopt behavioural skills. These behavioural skills can include learning to urinate and defecate outside rather than inside a home, to become leash-trained, to not bark loudly and to not be overly aggressive with other animals. Dogs learn these skills through environmental conditioning, motivational training, award-based training and other methods.
What does Pet Care mean?
People in this field take care of pets while their owners are away. This care can include having a safe place for a pet to occupy and also having a pet’s basic needs taken care of in the absence of their owner. Pet care can vary and include different services. While one pet care service may only cover the necessities, others may include more extensive care, such as training and providing a variety of opportunities for the pets to play. Furthermore, the extent to which an owner is absent can also impact the type of care needed.
Pet sitters, in particular, often work out of their own home or the home of a client to care for a pet in the absence of an owner. A pet sitter may provide a range of services to clients which can include covering the basic necessities of the animal alongside grooming, walking, cleaning and other services. The services provided will vary depending on the needs of a particular client.
What are the risks of working with pets?
Whenever you are working closely with someone’s pet, there are risks involved that can result in negative consequences. Whether you are grooming, training, caring for or sitting a pet, there is the risk that the animal may be injured or even die while in your care. If either of these situations occur, it is important for you to protect yourself in the event a pet owner wants to sue you. If a pet owner sues, there may be damages to both your reputation and financial future.
Not only can a pet be injured or die while in your care, you may also be subjected to injury. Some dogs may be naturally aggressive and if startled, bite you. If you are injured while at work, you may need to take time off of work to recover which can, in turn, stop you from taking care of other pets. You may also want to file a claim to recover lost wages and to cover medical treatment.
Additionally, a pet may cause damages to your property or other animals. If this is the case, you may need to replace property or pay for medical treatment for another animal. While these risks can indeed be severe, there are several ways to mitigate them.
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