How Much Insurance Should A Pet Sitting Service Have

A guide to assist professional person pet sitters and domestic dog walkers with the process of getting insured and bonded.

Fourth dimension To Pet is not an insurance amanuensis and does not sell insurance products. This article is meant equally a guide to assist Pet Sitters and Dog Walkers understand Pet Sitting Insurance and to directly them to where they can find boosted data. Time To Pet does non endorse whatever Pet Insurance visitor or product.

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Starting a pet sitting or dog walking business is a risky venture. In fact — starting any type of business involves a level of risk. This is more than than simply the costs to commencement a pet sitting or canis familiaris walking business concern. You lot are risking your time, your energy, and other opportunities. While y'all may not be investing a one thousand thousand dollars — y'all are yet making an investment. The goal of your business organization is to provide a render on that investment, merely occasionally — the render is not what yous expected — hence the take a chance!

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Now Pet Sitting Insurance fits into this puzzle by mitigating your risk for particular actions and/or occurrences past transferring the take a chance to an Insurance Carrier who then charges you a fee. Your Insurance Carrier pools the gamble of many clients to make the payments more affordable for their customers.

Fourth dimension To Pet highly recommends that pet sitters and dog walkers comport some course of Pet Sitting Insurance to aid mitigate their risk. Pet Sitting Insurance can give you financial protection if an blow occurs and having insurance can likewise provide y'all, your staff members, and your clients peace of heed. Call up of information technology this way — if yous were hiring a contractor to build your house and narrowed it down to two, but ane had insurance and one didn't — who would you pick?

While the bodily items included in a Pet Sitting Insurance Policy can vary from Carrier to Carrier — information technology is important to look for two key items.

General Liability

General Liability protects your business organization from things like bodily injury, personal injury, or property harm caused by your concern' operations. While General Liability can be comprehensive — it does non protect your concern from all liability. Withal, Full general Liability is the cadre of Pet Sitting Insurance. Some examples of what Full general Liability may cover you from could exist if you lot were walking a canis familiaris and the dog in your intendance fleck someone who happened to be walking past y'all. Another example could be if you lot forgot to put the dog in your care in the spare bedchamber, and the dog ate the new leather couch in the living room subsequently you had left. Full general Liability protects pet sitters and dog walkers against third party claims (the central is a third party — someone besides you) caused by you or your staff member's negligence.

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Bonding

Y'all may accept heard professionals mention that they are "Insured and Bonded." The Insured role represents being covered by an Insurance Policy. The bonding role is quite different. While technically not insurance, beingness "Bonded" protects your business organization from theft or mysterious disappearance of your customer'due south personal belongings. While having a customer's watch going missing while their pets were under your care is a nightmare scenario — bonding tin can aid protect your business from that situation.

Are you in the process of starting your canis familiaris walking or pet sitting business organization? We have guide with all the resources you'll demand!

Pet Intendance Insurance Providers

Several providers offer Pet Sitting Insurance in the United states. Pet Sitters Associates tends to be the most popular pet business organisation insurance provider amidst Time To Pet clients. Here are the four major providers:

Pet Sitters Assembly — Providing coverage since 1998. Pet Sitters Associates offers lots of options including a Business List service
Business Insurers of the Carolinas — Providing coverage since 1992. Must be a fellow member of NAPPS or PSI.
Kennel Pro — Offering 3 different packages.
Pet Care Insurance — Offers products for many different pet intendance professionals.

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Other Types of Insurance

There are many other types of insurance exterior of the scope of Pet Sitting Software that yous may desire to consider. Those can include:

Worker's Compensation — Can provide coverage for your staff members for injuries occurring on the job
Commercial Motorcar Insurance — Can protect you and your squad when dealing with automobile incidents
Umbrella Policies — To help fill in whatever gaps in your insurance coverage

If you're interested in learning more about what information technology takes to outset, grow, and manage a pet sitting or domestic dog walking business — take a look at the Time To Pet Academy. Nosotros take tons of lessons ranging from What to Ask Before the Meet & Greet, how to Empathize Your Pet Sitting Competition and an intro to Holiday Fees.

Additional Pet Sitting Insurance Resources

Pet Care Insurance in Canada

Binks Pet Sitters Insurance — Binks is a full general insurance company offer policies and programs for many specific industries and commercial uses.
PROfur Insurance for Pet Care Professionals — PROfur is a specialty insurance policy for pet care professionals in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia & Prince Edward Isle.

Pet Care Insurance in the UK

Pet Business organisation Insurance — Pet Business concern Insurance specializes in providing insurance coverage for all types of pet businesses.
Cliverton — Cliverton offers insurance coverage for near animal-related trades, including dog walking, pet sitting, pet taxi, mobile grooming, and much much more than!

Time To Pet is non an insurance agent and does non sell insurance products. This article is meant as a guide to help Pet Sitters and Dog Walkers understand Pet Sitting Insurance and to direct them to where they can find boosted information. Fourth dimension To Pet does non endorse any Pet Insurance company or production.

Make sure to check out our Time To Pet University and Blog for more great resources.