Cat Sitter Insurance
Cat sitting may seem like it’s all chin scratches and toe beans, but it’s not without risks. Protect your business with cat sitter insurance and cat sit with confidence.
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Get Insurance Designed for Cat Sitters
Like soft paws hide sharp claws, cat sitting is a dream gig, but you could be stuck with the bill when accidents happen.
From vet costs to home repairs, your cat sitter insurance safeguards your business.
Cat sitter insurance from PCI starts at just $19.08 a month or $229 a year. It includes a bundle of coverages essential to pet sitters:
$2,000,000 General Liability Aggregate Limit
Covers property damage and harm to people
Pet Protection Coverage (Animal Bailee) (+ options for increasing limits)
Pays for accidents and injuries to pets in your care
Veterinarian Reimbursement
Gets pets the help they need (and gets you a refund)
Lost Key Liability Coverage
Handles rekeying costs when you’re locked out
PCI helps cat sitters just like you get essential coverage to protect your business at an affordable price — and without an association fee.
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Downloadable Certificate of Insurance at Checkout
Employee Dishonesty Coverage
(Similar to Bonding)
Trusted by 15,000+
Pet Care Businesses
Accidents Can Cost You
But they don’t have to. PCI covers you when pets get injured or sick under your care. We watch out for you while you watch out for pets.
Cat Sitter Insurance Explained
Why Do I Need Cat Sitters Insurance?
Cat sitters need the protection of pet sitting insurance when they’re found financially responsible for harm to clients, pets, or others. Liability insurance for cat sitters is essential since you enter clients’ homes and work with unpredictable animals.
If your client’s property gets damaged or a pet in your care is injured, you may be held liable to pay costs that could financially cripple your business. That’s where your pet care policy can cover your tail.
What if I Need Additional Coverage?
You can customize a cat sitter insurance policy to fit your business with a few clicks. Add any of these above-and-beyond coverages to your online application:
- Employee Dishonesty Coverage: employee theft protection for pet care businesses ($4.92/month)
- Broadened Property Damage Coverage: expanded coverage for special cases of property damage ($2.42/month)
- Equipment and Inventory Coverage (Inland Marine): three tiers of protection for gear from toys to grooming supplies (starting at $4.08/month)
- Extra Pet Protection Coverage: three tiers of higher aggregate limits per year (starting at $1.99/month)
- Extra Veterinarian Reimbursement: a higher $5k aggregate limit per year ($3.99/month)
- Additional Insureds: protection for other people or businesses you add to your policy ($0.83/month)
- Employee Coverage: coverage for your business employees ($2.08/month)
- Independent Contractor Coverage: coverage for contractors who work for your business ($4.17/month)
- Cyber Liability Insurance: protection against lawsuits due to a data breach or cyber attack ($6.58/month)
How Much Is Cat Sitter Insurance?
Liability insurance for cat sitters costs as little as $19.08/month or $229/year at PCI. For less than your monthly bag of cat food, you get coverage that balances affordability, customization, and high limits. Plus, PCI includes essential coverages like Veterinarian Reimbursement and Pet Protection.
Does Cat Sitting Business Insurance Cover Emergency Vet Bills?
PCI cat sitter insurance covers up to $2,500 in emergency vet bills per year and up to $1,000 per visit with Veterinarian Reimbursement. This coverage protects against surprise out-of-pocket costs by paying you back when your feline clients need emergency care.
Your insurance kicks in after a $250 deductible, but you get reimbursed regardless of who is at fault. Need more coverage? We have higher limits available.
Cat Sitting Insurance Coverage Details
If you’re looking for cat sitter insurance, you’ve come to the right place. Pet Care Insurance provides customized insurance for pet sitters through trusted carriers.
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 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.
Why Choose Pet Care Insurance?
Cats have a mind of their own — it’s why we love them.
When whatever can go wrong does, you’re protected with PCI.
You lost the key your client gave you to enter the home.
We've got you covered with Lost Key Liability Coverage
A cat gets injured during your pet sitting session.
Vet Bill Reimbursement provides coverage for medical expenses up to $1,000 per occurrence.
You knock over your client's furniture when leaving the home.
We've got you covered with Broadened Property Damage Coverage.
We know the risks associated with your line of work and have tailored cat sitter liability insurance policies to give you financial safeguards in case something goes wrong.
PCI is your loyal companion in insurance, and we have the Google rating to prove it. Your pet business insurance needs are covered by our trusted carrier, industry-leading team, and affordable policies.
With an easy online application and friendly, knowledgeable customer service representatives, we’re here for you from cart to claim.
FAQs About Cat Sitter Insurance
Does Cat Sitter Insurance Protect Me When Watching Other Kinds of Pets?
Yes, cat sitter insurance and dog sitter insurance will protect you when you’re watching any other common household pet — from bunnies to teacup pigs.
As long as the animals in your care belong to someone else and are not kept for commercial reasons, if it fits, it sits.
What if a Cat I’m Watching Swallows a Toy and Needs to Go to the ER?
If a cat in your care needs an emergency vet, your insurance includes Veterinarian Reimbursement to minimize out-of-pocket costs. It doesn’t matter if the vet visit was your fault or not — you still get your money back.
To use the Veterinarian Reimbursement in your policy, file a claim for a refund of a qualifying vet bill, and we’ll reimburse you for up to $1,000 after your $250 deductible. You can reimburse up to $2,500 per year in emergency vet bills.
Do I Need Cat Sitting Insurance if My Business is an LLC?
Yes, you still need cat sitting insurance even if your pet care business is a limited liability company (LLC). LLCs shift liability from you to your company in some types of lawsuits. However, most pet business lawsuits fall under tort law, where LLC protections don’t apply.
Pet care insurance is also designed to protect you during a lawsuit in ways an LLC can’t, like covering representation, settlement, and court fees.
Does Rover or Wag Include Insurance for Cat Sitters?
While the Rover Guarantee acts as a last-resort protection for pets, you can’t get cat sitter insurance from Rover or Wag. Both companies recommend pet business insurance to cover all your risks, which is why we offer Rover Insurance for pet sitters.
Can I Talk to Someone If I Have More Questions?
One of the best reasons to choose PCI is that you can speak to a licensed, non-commissioned insurance agent for answers about pet sitting insurance by phone or email during business hours. So if you have a question for our insurance professionals, don’t hesitate to contact us.
Trust What Our Reviews Say.
See What Else We Cover
Besides cat sitters, Pet Care Insurance also responds to many other professionals in the pet service industry, some of whom include:
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Start your policy today with PCI to customize your coverage, and make your life a whole lot easier.
