Lost Key Liability Insurance
If you accidentally misplace a client’s key, lost key liability coverage can pay to rekey, adjust, or replace locks, plus it covers the cost of installation.
Benefits of Lost Key Liability Insurance
Your clients entrust you with their pets and their homes when they’re away. At Pet Care Insurance (PCI), we understand that this trust is the foundation of your business. If you lose a house key while on the job, lost key liability ensures that you can make it right and maintain that positive client relationship.
- Extends your coverage to expenses resulting from a lost customer key
- Comes included in your general liability policy at no additional cost
- No deductible with up to $2,000 of coverage per year
- Peace of mind for you and your clients
Lost Key Liability Insurance Explained
What Is Loss of Key Insurance?
What Does Lost Key Liability Insurance Cover?
This insurance helps with expenses resulting from the loss of a customer’s key while providing care for their pets. This can include a variety of circumstances, such as:
- You drop a pet parent’s key while walking their Schnauzer in the park.
- A tote bag containing your client’s house key is stolen from your car.
- The storm door closes behind you, locking you and the customer’s dog in the backyard.
Lost key coverage could cover any of these scenarios, paying for a locksmith, rekeying, or lock replacement.
Who Needs Lost Key Liability Coverage?
If your clients entrust you with keys to their homes, you need lost key liability protection. If you misplace a key or get locked out of a client’s home, it could be dangerous for the pets in your care and harmful to your business reputation. This coverage allows you to get the help you need without worrying about the bill.
Lost key liability comes with all of PCI’s pet care policies, including:
How Much Does Lost Key Liability Insurance Cost?
Protect Your Business With Lost Key Liability Insurance
Providing pet care services in a client’s home involves many unique risks. That’s why PCI includes lost key coverage in our policies to ensure you have the protection you need and that your clients can hire you with confidence.
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
PCI’s coverage is designed specifically for pet pros like you. Check out all of the ways we can support your business:
