Broadened Property Damage Coverage
Get covered for accidents involving client’s property while you care for their pets with Broadened Property Damage Coverage (AKA broad form property damage). If you (or their pet) damage something in a client’s home, this coverage can keep you from paying out of pocket.
Benefits of Broadened Property Damage Coverage
Pet care is your specialty, and sniffing out gaps in your insurance coverage is ours.
The general liability insurance in every PCI policy can cover you for damage to the client’s building or fixtures while you’re working there — think chewed-up baseboards, scratched walls, or shattered glass doors. But, you may not have coverage when a client’s personal items, like their furniture or decor, are damaged while you’re on the job.
Adding Broadened Property Damage Coverage to your policy gives pet sitters, mobile groomers, and other pros who work in pet parents’ homes the confidence of nose-to-tail protection in case of client property damage.
Here’s how Broadened Property Damage Coverage offers peace of mind:
- Extends your coverage to include a customer’s personal property
- Provides up to $25,000 of coverage per year with no deductible
- Automatically renews coverage, so you don’t have to think twice
- 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 is designed to cover harm to clients’ property while you’re caring for their pet. That includes damage pets do to their owner’s stuff on your watch! Not worrying about what-ifs lets you focus on what you do best.
Broadened Property Damage FAQs
What is broadened property damage?
Broadened property damage is an opt-in coverage that can help you pay for repairs or replacements for someone else’s personal items, like their sofa, computer, or area rug, if they get damaged while you’re on the job.
The general liability insurance included in every PCI policy at no extra charge can handle damage to a client’s building or property — the permanent stuff, like the walls, flooring, tub, or appliances. But it doesn’t cover personal items in most cases, which is why we offer broadened property damage coverage to protect the pet pros who spend the most time on clients’ turf.
Broadened property damage is designed to cover scenarios like these:
- A pet sitter accidentally knocks over an expensive vase in a client’s home
- A dog slips their leash during a walk and digs up the neighbor’s garden
- A mobile groomer on a house call can’t stop a nervous pup before it pees on a chair
Do I need broadened property damage coverage?
If you ever work in a location your business doesn’t own, this coverage is a good investment. We make Broadened Property Damage Coverage optional because not every pet pro cares for pets outside of their own property — but many do! We recommend broadened property damage to these pet pros for coverage from every angle:
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 to your policy. 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?
If you already have a policy with PCI and would like to add broadened property coverage, simply follow the steps below:
- Log in to your online dashboard
- Click Change Policy Options under the Manage Policies section
- Click the Purchase Add-ons button
- Click Broadened Property Damage Coverage, and a drop-down menu will appear
- Select Add Coverage from the menu
- Scroll down and click Purchase Selected Options
- Complete your transaction and enjoy immediate coverage!
Please give us a call at 844.520.6990 if you have questions about adding additional coverage to your policy.
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
This coverage protects your business if you’re legally liable for damage to someone else’s personal property while providing services in a location you don’t own.
$10,000
$25,000
Each Occurrence
Aggregate Limit
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 covers a wide variety of pet service professionals, some of the most popular being:
