Insurance for Pet Care Services
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What Insurance Do Pet Care Services Need?
Cyber Liability Insurance protects you from the theft of sensitive data. If you suffer a data breach or software attack, Cyber Liability Insurance will cover the costs of notifying and restoring affected customers, recovering data and repairing security systems.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Professional Liability Insurance (or E&O Insurance), protects your small business from claims of mistakes, negligence or malpractice made when providing your services that caused sobody financial loss. PLI covers your legal defense costs, damages and settlements.
Business Owners Policy (BOP) protects you from business liability and property damage at a lower cost. BOP covers claims resulting from fire, theft & disasters. BOP also covers claims of bodily injury or property damage during your business operations.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Small business Health Insurance helps you offer your employees more inexpensive access to medical insurance. Everyone can benefit from lower rates or better coverage.
Frequently Asked Questions
Do you need a license to be a pet sitter?
Pet sitters don't need a license to operate. Even though it is advisable to get one since you'll need the license 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.