Bonded Pet Sitter vs Employee Dishonesty Insurance
Many pet care businesses — like dog walkers, pet taxis, and pet sitters — use dishonesty bond insurance for financial protection in the event that an employee steals from a client.
Pet Care Insurance (PCI) cuts out the extra steps with Employee Dishonesty Insurance. This optional coverage is like bonding, but better!
So what’s the difference between employee dishonesty insurance coverage vs an employee dishonesty bond?
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PCI’s Employee Dishonesty Insurance vs Bonding
| Pet Care Insurance | Other Bond Programs | |
| Standalone Policy | ✅ | ✅ |
| Add-on to Liability Insurance | ✅ | ❌ |
| Products-Completed Operations Limits | $10,000 per occurrence / $25,000 per policy year | Varies |
| Credit Check Requirement | Never | Usually required |
| Accessibility | Add at checkout or from your dashboard | A separate bonding company is often required |
| Reimbursement Required | No – we don’t require claim reimbursement | Yes – many require claim reimbursement |
| Conviction Clause Requirement | Conviction not required | Conviction often required |
| Cost | Less than $5 per month per month | $10 to $40 per month |
Pet Care Insurance
Standalone Policy:
✅
Add-on to Liability Insurance:
✅
Products-Completed Operations Limits:
$10,000 per occurrence / $25,000 per policy year
Credit Check Requirement:
Never
Accessibility:
Add at checkout or from your dashboard
Reimbursement Required:
No – we don’t require claim reimbursement
Conviction Clause Requirement:
Conviction not required
Cost:
Less than $5 per month per month
Other Bond Programs:
Standalone Policy:
✅
Add-on to Liability Insurance:
❌
Products-Completed Operations Limits:
Varies
Credit Check Requirement:
Usually required
Accessibility:
A separate bonding company is often required
Reimbursement Required:
Yes – many require claim reimbursement
Conviction Clause Requirement:
Conviction often required
Cost:
$10 to $40 per month
Employee Dishonesty Insurance Coverage for Pet Professionals
You rely on your employees to have the same compassion and professionalism you do. But what happens if they betray that trust?
Employee dishonesty insurance safeguards your business — you can keep providing premium care for your clients, even if an employee makes a bad decision.
Operating as a bonded and insured pet sitter, dog walker, or other pet professional safeguards your business in a variety of situations, including:
– An employee stealing money or property from a client’s home
– A pet getting injured during an appointment
– A client tripping and falling on your property
Adding employee dishonesty insurance coverage to your policy protects you and your business from every angle.
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Is Employee Dishonesty Insurance Right For My Business?
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Protects small pet care businesses from unexpected expenses
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FAQs About Employee Dishonesty Insurance
What is employee dishonesty insurance?
Employee dishonesty insurance covers losses or damages to your clients if your employee commits theft. If an employee steals money or property from a customer while providing a pet care service, this insurance can cover it. However, it does not cover court costs or other expenses related to legal action.
Is employee dishonesty the same as fidelity coverage?
Yes, employee dishonesty insurance and fidelity coverage are often used interchangeably. Both protect businesses from financial losses when employees commit fraudulent acts. While there are some subtle differences, both coverages respond similarly when employees steal from customers.
What is an example of an employee dishonesty claim?
Here’s a real-world example of how PCI’s employee dishonesty insurance saved our customers from paying out of pocket.
Our policyholder sent an employee to handle dog sitting services for one of their clients. The employee had a key and unsupervised access to the house. When the client returned home, they discovered $500 missing from a nightstand drawer.
Because the business owner was a bonded and insured pet sitter, the coverage paid for the client’s financial loss.
What’s the difference between pet sitter insurance and bonding?
It’s important to understand the differences between pet sitter insurance and bonding to make the best choice for your business.
Pet sitter insurance is comprehensive general liability coverage for pet care providers. PCI’s policy covers common claims, such as third-party bodily injury, property damage, pet protection, and lost key replacement.
On the other hand, pet sitter bonding specifically covers losses due to theft or fraudulent acts committed by your employees. With PCI, you have the option to add employee dishonesty insurance to your policy for an additional premium. You can save money and enjoy comprehensive protection when you bundle your coverage.
Insurance for Pet Professionals
Safeguard yourself, your business, and your clients with PCI’s pet care insurance and employee dishonesty insurance coverage.
Limits of Insurance
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
Limit per Incident: $1,000,000
Limit per Year: $2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libel a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
Any One Premises: $100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
This provides your pet business with coverage in the event that you are legally liable for injuries or damages sustained by an animal in your care, custody, or control.
Limit per Incident: $2,500
Limit per Year: $5,000
This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.
Limit per Incident: $1,000
Limit per Year: $2,500
Deductible: $250
If you were to lose the keys to a client’s residence, this coverage could help you manage the cost of installing new locks or having the building rekeyed.
Limit per Incident: $2,000
Limit per Year: $2,000
*Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions.
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