Pet Sitter Insurance
Our pet sitter liability insurance gives you the comprehensive protection
you need to go into jobs with confidence. Get covered today!
Get Peace of Mind With Affordable Pet Sitting Insurance
1. Fast and Secure
Buy pet sitter insurance online in 10 minutes or less. Download your certificate at checkout.
2. Unique Insurance Coverage
Our base policy includes a $2 million general liability aggregate limit, animal bailee coverage, and veterinarian expense reimbursement coverage.
3. Covers the Common Claims
Our pet sitters business insurance covers pets that get sick on your watch, the cost to rekey a home if you lose the keys, and more.
Why Go With Pet Sitters Insurance?
Liability Insurance for Pet Sitters Can Protect You and Your Career
Your business is important to us, giving you financial protection in case of accidents while working with our pets is our specialty. Learn more about our included coverages for all pet sitter liability insurance policies:
You lost your client's key when sitting their pet.
An animal dies due to your negligence.
An animal is injured while you are watching them.
We know there are risks associated with your line of work and have created policies that give you financial safeguards in case something goes wrong.
We are committed to you. With a trusted carrier, a team that has proven experience and leadership in the insurance industry, and customer service representatives that are knowledgeable and friendly.
Pet Sitters Insurance FAQ
What Is Pet Sitting Insurance?
Insurance for pet sitters is designed specifically to protect your pet sitting business from bodily injury and property damage claims. A pet sitting insurance policy from Pet Care Insurance (PCI) starts at $229/year and includes coverages like animal bailee, vet bill reimbursement, general liability and coverage for basic grooming and obedience training. We also provide additional options to meet such as employee dishonesty coverage and additional insureds to protect your business.
What Is The Difference Between Bonding And Employee Dishonesty Coverage?
A basic pet sitting insurance policy from PCI starts at $229/year. However, there are additional options that you may add to your policy for an additional premium. For example, one of these options is employee dishonesty coverage—a coverage similar to bonding.
Do I Need Pet Sitting Insurance?
As a pet sitter, purchasing a pet sitting insurance policy helps protect your business. If you’re not insured when a pet is injured, eats something bad, or you damage a client’s property, you and your business could be in financial trouble; these events, and others like them, expose pet sitters to lawsuits and other liability claims.
What Is Pet Protection
(Animal Bailee)?
This is one of the fundamental features of PCI’s pet sitting business insurance policy. Animal Bailee covers expenses related to animal’s injuries or death – which you are legally liable for – while it is in your care, custody, or control. The base PCI policy provides $2,500 per occurrence and has a $5,000 aggregate limit. Higher limits available if needed.
Is My Family Covered If They Work For Me?
A PCI pet sitting insurance policy does extend coverage to some members of your family. The policy includes coverage for your spouse and for children who are under 18 years old, as long as they are carrying out the business operations of your pet sitting business. For additional questions regarding pet sitting insurance, please check out our main FAQ page, or call us at 888-568-0548.
Insurance to Fit Your Circumstances
If you’re looking for pet sitters insurance, you’ve come to the right place!
Pet Care Insurance provides policies customized to the pet care industry through “A” rated insurance 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 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.
Top 5 Most Common Pet Care Insurance Claims
Example: A cat ate some string and had to be take to the vet to remove the string and have other emergency care.
Example: A dog escaped from its home while in the care of a pet sitter and was hit and killed by a car.
Example: A pet care provider lost a client’s keys and the home had to have all locks replaced.
Example: A dog was found dead at its home after the pet care provider left and the pet care provider was held responsible.
Example: While in the care of a pet care provider, a dog began limping. The dog was taken to the vet and it was discovered to have a torn ACL.
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How Does Pet Care Insurance Compare?
| Provider | Pet Care Insurance | Pet Sitter Associates | Kennel Pro | Choice Plus Insurance Services |
|---|---|---|---|---|
|
Base Cost Per Year |
$139 |
$190 |
$425 |
$425 |
|
Deductible |
No General Liability, Animal Bailee or Pet Groomers Professional Liability Deductible; $500 Deductible on Veterinary Expense Reimbursement |
No deductible for claims EXCEPT $500 per incident if you purposely took an unleashed animal to a dog park or outdoors unless it's in the pet owner's or pet sitter's yard with an above ground fence that will keep pets inside and people/animals outside. |
$250 for care, custody, and control claims only |
No General Liability, Animal Bailee or Pet Groomers Professional Liability Deductible |
|
Liability Limits |
$2,000,000 General Aggregate $2,000,000 Product/Co-Ops Agg $1,000,000 Each Occurrence $1,000,000 Personal/Ad Injury $300,000 Damage to Rented Premises $10,000 Medical Expense |
$2,000,000 Annual Aggregate $2,000,000 Products/Completed Ops $1,000,000 Each Occurrence $1,000,000 Personal/Ad Injury $30,000 annually and $15,000 per occurrence CCC/Animal Bailee - pets lost, stolen, injured, or killed in your care. |
$4,000,000 Annual Aggregate
$2,000,000 Each Occurrence $10,000 Medical Expense $2,000,000 Personal/Ad Inj $300,000 Damage to Premises Rented By Sitter (also fire) $25,000+ CCC/Animal Bailee Aggregate* *includes Vet Expense |
$2,000,000 General Aggregate $2,000,000 Product/Co-Ops Agg $1,000,000 Each Occurrence $1,000,000 Personal/Ad Injury $300,000 Damage to Rented Premises $10,000 Medical Expense |
|
Animal Bailee, Pet Taxi, and Overnights at Client’s Home Coverage |
Available |
Available |
Available |
Available |
|
How To Order |
Order and complete online |
Order and complete online |
Request a quote from an agent online |
Request a quote from an agent online |
Comparisons based on information provided by Professional United Pet Sitters LLC
Insurance for Pet Sitters
Our pet sitter liability insurance gives you the comprehensive protection
you need to go into jobs with confidence. Get covered today!
