Broadened Property Damage Coverage
Coverage in the event you are legally liable for damages to a client’s property that occur while contracted services are being performed (such as items in a house while you are pet sitting overnight). Whether you call it broadened property damage or broad form property damage, both terms refer to this same coverage.
Benefits Of Broadened Property Damage Coverage From PCI
Your main concern is the pets in your care, not gaps in your coverage. That’s why PCI makes it easy to get peace of mind when caring for animals in clients’ homes. Our broad form property damage insurance is an additional coverage you can add to your policy in just a few clicks!
- Extends your coverage to include a customer’s personal property
- No deductible, with up to $25,000 of coverage per year
- Coverage automatically renews so you don’t have to think twice
- It costs less than your daily coffee (only $2.42 per month)
What’s Covered By Broadened Property Damage Coverage?
Accidents can cost you, but with PCI they don’t have to. Broadened property damage insurance can cover you for damages that occur while caring for someone’s pet — that way you can stay focused on what you do best.
Broadened Property Damage FAQs
What is broadened property damage?
Broadened property damage is an additional coverage that can help you pay for damages done to a client’s property. It can cover incidents that general liability insurance will not cover.
For example, it may cover:
- A mobile pet groomer doing work in a client’s home and accidentally clogging the pipes.
- A pet sitter accidentally knocking over an expensive vase in a client’s home.
- A dog breaking free from a leash on a walk and digging up someone’s garden.
Do I need broadened property damage coverage?
How much does it cost to add to my plan?
Broadened property damage is an additional $2.42 a month ($29 a year) for up to $25,000 in coverage.
Is broadened property damage included in my PCI policy?
No, broadened property damage is an additional coverage you can add on to your policy. You can add it during the application process for a new policy, or from your online dashboard for an existing policy.
How do I add broadened property to an existing plan?
- Start by logging into your online dashboard.
- Click on “Change Policy Options” under the Manage Policies section.
- Click on the “Purchase Add-ons” button.
- Click on “Broadened Property Damage Coverage” and a drop down menu will appear.
- Select “Add Coverage” from the menu.
- Scroll down and click on the “Purchase Selected Options” button.
- Complete your transaction & enjoy immediate coverage!
Broad Form Property Damage Coverage
Our broad form property damage coverage is available for pet care professionals, such as pet sitters, dog walkers, and mobile groomers, and more. If you are caring for pets on someone else’s property, you can benefit from the protection of this coverage.
Coverage Details & Limits
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.
$1,000,000
$2,000,000
Each Occurrence
Aggregate Limit
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.
$2,000,000
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
$1,000,000
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.
$100,000
Any One Premises
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.
$5,000
Any One Person
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.
$2,500
$5,000
Each Occurrence
Aggregate Limit
This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.
$1,000
$2,500
$250
Each Occurrence
Aggregate Limit
Deductible
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.
$2,000
$2,000
Each Occurrence
Aggregate Limit
* 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.
See What Else We Cover
Besides helping take care of your Broadened Property Damage Coverage needs, Pet Care Insurance can cover a wide variety of pet service professionals, some of the most popular being:
