Pet Sitter Insurance
Don’t leave your pet business to chance — fetch those clients with pet sitter insurance for less than 63 cents a day!
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The Best Insurance for Pet Sitters
No bones about it — pet sitter insurance with PCI is affordable without sacrificing the coverage you need. 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
Pet Care Insurance policies start at $19.08/month or $229/year for coverage tailored to the unique needs of pet sitters.
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Downloadable Certificate of Insurance at Checkout
Employee Dishonesty Coverage
(Similar to Bonding)
Trusted by Over 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 protect you while you focus on the pets.
Insurance for Pet Sitters Explained
What Is Pet Sitter Insurance?
- General Liability Insurance: Covers bodily injury and property damage, your products and services, advertising mistakes, damage to spaces you rent, and medical expenses
- Pet Protection Coverage (Animal Bailee): Protection from legal claims for harm to animals in your care, custody, and control
- Veterinarian Reimbursement: Repayment for vet bills when an animal in your care needs emergency treatment
- Lost Key Liability Coverage: Reimbursement for rekeying a client’s home if you lose the keys
Who Needs Pet Sitting Insurance?
If you take care of someone else’s animals in their home, pet sitting insurance is made for you. You could face a lawsuit if you damage a client’s property or a pet you’re watching gets injured, so coverage is crucial. Pet care professionals who dog sit, cat sit, house sit, do drop-in visits, or even walk dogs could all be covered under pet sitting insurance.
How Does Pet Sitter Insurance Protect Me if a Pet Gets Hurt?
In case of pet injuries, the best pet sitter insurance policies include Animal Bailee, a safeguard we call Pet Protection. This coverage can pay for expenses related to an animal’s injury or death while in your care, custody, or control. If the worst happens, you shouldn’t have to deal with the hardship of legal fees, too.
If a pet needs emergency care while you’re on the job, Veterinarian Reimbursement can pay you back for out-of-pocket costs.
How Much Does Pet Sitter Insurance Cost?
Insurance for pet sitters costs as little as $19.08/month or $229/year at PCI. Your base policy is tailored to include the protections all pet sitters need, but we get that the extras put your business ahead of the pack. These add-on coverages let you customize your policy for a just-right fit:
- Equipment & Inventory (Inland Marine) Coverage: 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
Coverage Details
If you’re looking for pet sitting insurance, you’ve come to the right place. PCI provides customized pet sitter insurance through top-rated 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.
Is Pet Care Insurance the Best Option?
Even the most careful pet sitters can get in a hairy situation, fast.
PCI covers the risks that gnaw at your peace of mind to get you back to loving your job.
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 safeguard your finances 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 Sitter Insurance FAQs
Do I Need Insurance if I Book Pet Sitting Gigs on Rover or Wag?
Rover and Wag don’t offer insurance to their contractors, so you need your own pet sitter insurance. Both companies try to resolve conflicts with pet parents if an accident happens, but neither is set up to help you pay for legal claims. That’s why we offer Rover Insurance to cover your risks whether you pet sit with Wag or Rover.
Do I Need Insurance to Be a Pet Sitter?
Yes! Insurance is essential to keep your pet sitting business from getting stuck with the bill after an accident. Pets are unpredictable, which is why you need insurance that’s reliable. Some pet parents and pet care businesses require you to carry dog sitter insurance to watch animals, so getting insured may even open up new opportunities.
What Are the Risks of Being a Professional Pet Sitter?
Lawsuit expenses like court costs, lawyer fees, settlements, and damages can sink your business if you don’t have pet sitter insurance. Common risks for pet sitters that result in legal claims include:
- Property damage to clients’ homes or belongings
- Dog bites and third-party medical costs
- Pet injuries and illnesses
- Loss of an animal
What if Something Gets Damaged While I’m Pet Sitting at My Client’s House?
Depending on what happened, the general liability coverage in your pet sitter insurance could pay for damage to a client’s home. Customizing your base policy with Broadened Property Damage Coverage also covers your risks in special cases. The following scenarios show some ways these coverages kick in to keep you safe:
- You’re dog sitting overnight at a client’s house and use their toilet without realizing that it’s broken. The bathroom floods, causing thousands of dollars in damage. Broadened Property Damage Coverage could keep you from paying out of pocket.
- You’re cat sitting and Professor Floof gets nervous and makes a mess on the client’s couch. The General Liability coverage in your cat sitter insurance could pay the bill for reupholstery.
See What Else We Cover
Besides pet sitters, Pet Care Insurance also responds to many other professionals in the pet service industry, some of whom include:
Pet Sitting Related Articles
Insurance for Pet Sitters
Pet Sitting is rewarding, but it’s not without risks. Buy a policy today!
