Dog Sitter Insurance
Dog sitting is a walk in the park — except when things go wrong. Protect your business and the pups you love with dog sitter insurance.
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Get Insurance Designed for Dog Sitters
You’re in the business of caring for dogs. We get that. Pet Care Insurance has you covered with dog sitter insurance tailored to pet care professionals like you. Protect your business and the dogs in your care for just $19.08 a month or $229 annually. Our base policy includes:
$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
Our policy is specifically designed to meet the needs of dog sitters, so you can rest easy knowing that you and your furry clients are protected.
Buy Online in 10 Minutes or Less
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.
Dog Sitter Insurance Explained
What Is Dog Sitting Insurance?
Dog sitter insurance is a type of liability insurance that protects you and your business from common claims like bodily injury and property damage. If a dog in your care gets injured, damages property, or bites someone, you could be held financially responsible. Insurance for dog sitters helps cover these costs, so you don’t have to pay out of pocket.
PCI goes a step further. Our pet sitter insurance includes pet protection coverage, lost key liability, and allowances for medical and veterinary expenses.
What Risks Do Dog Sitters Face?
Dog sitters face hundreds of risks when pet parents turn over the leash and keys. New surroundings and animal antics can result in pricey accidents. These mishaps could be covered with business insurance for a dog sitter:
- A dog in your care escapes from the house and tears up the neighbor’s freshly seeded lawn, leaving you to pay for the property damage.
- A client’s pup gets the zoomies and crashes into a table, knocking over and breaking their expensive vase.
- Your client’s dog nibbles on a houseplant when your back is turned and gets seriously ill. The emergency vet bill comes out of your pocket.
Do I Need Dog Sitter Insurance?
How Much Does Dog Sitter Insurance Cost?
Our insurance for dog sitters starts at $19.08 a month (or $229 when paid annually), making it an affordable option for dog sitting businesses of all sizes.
The cost of your policy also depends on how you customize your pet care insurance coverage based on the following options:
- Equipment & Inventory Coverage (Inland Marine): three options, starting at $4.08/month
- Additional Pet Protection Coverage (Animal Bailee): three options, starting at $1.99/month
- Additional Veterinarian Reimbursement: $3.99/month
- Broadened Property Damage Coverage: $2.42/month
- Employee Dishonesty Coverage: $4.92/month
- Additional Insureds: $0.83/month
- Employee Coverage: $2.08/month
- Independent Contractor Coverage: $4.17/month
- Cyber Liability Insurance: $6.58/month
Dog Sitter Insurance Coverage Details
If you’re looking for pet sitter or dog walker insurance for your dog sitting business, you’ve come to the right place. PCI provides customized dog sitter insurance through top-rated carriers.
Dog Sitter Insurance Coverage Types and Limits
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.
Is Pet Care Insurance the Best Option?
No matter how careful you are, something can still go wrong when you’re dog sitting. For the risks that constantly paw at your peace of mind, your PCI policy has a fix for that:
You lost your client’s key when stopping by for an appointment.
If you lose the keys, Lost Key coverage may help you manage the cost to install new locks or rekey the building.
An animal dies due to your negligence.
Animal Bailee is coverage for injury or damages sustained by an animal in your care.
An animal is injured while you are watching them.
Vet Bill Reimbursement provides coverage for medical expenses up to $1,000 per occurrence.
We know the risks associated with your line of work and have tailored dog 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.
You're in Good Company With Pet Care Insurance
Pet Care Insurance is rated 4.9/5 by professionals nationwide.
FAQs About Dog Sitter Insurance
Why Do I Need Insurance to Be a Dog Sitter?
It’s crucial to have business insurance to be a dog sitter, whether it’s to meet the terms of a contract or to protect yourself financially. Dog sitter insurance covers the expensive accidents that can happen when animals are involved, like property damage and injuries. Bonus: it might also help you stand out to pet parents as a safe and responsible choice.
Does the Rover Guarantee Cover Insurance for Dog Sitters?
The Rover Guarantee does not provide dog sitter insurance for Rover contractors. It’s designed to protect pets, not dog sitters, and will only kick in after all other options are exhausted. Rover recommends that dog sitters get insurance, which is why we offer Rover Insurance to fill coverage gaps in the Rover Guarantee.
Does Dog Sitter Insurance Cover Me for Walking Dogs?
Dog sitter insurance at PCI covers you for walking dogs and dog sitting all in one. Our pet sitter and dog walker insurance are similar — the difference is that dog sitter insurance covers you for the job of a dog walker (since you might take pets out for exercise) plus working in clients’ homes and providing food, water, and medicine for pets.
Does Dog Sitter Insurance Protect My Business Supplies?
Our base policy does not cover business equipment. But, you can add Equipment and Inventory coverage, which covers the cost to replace or repair lost, stolen, or damaged pet business supplies. This protection covers everything from your stash of training treats to the tablet you use to take client payments.
Does Dog Sitter Insurance Cover Me for Cat Sitting?
Business insurance for a dog sitter is flexible enough to double as cat sitter insurance or coverage for watching most pets. To qualify for protection under your PCI dog sitter policy, animals in your care have to be common household pets, they can’t be your personal pet, and they can’t be kept for commercial reasons. Otherwise, sit away!
See What Else We Cover
Besides dog sitters, Pet Care Insurance also responds to many other professionals in the pet service industry, some of whom include:
Dog Sitting Related Articles
Insurance for Dog Sitters
Dog Sitting is rewarding, but it’s not without risks. Buy a policy today!
