What insurance do I need for pet sitting? What kind of pet do you have? Chances are, she’s currently giving him the eyes and begging to go to the park. Most will gladly provide you with a quote for free, and some will even allow you to obtain quotes directly from their website. Others have policies that start at around $40 a month. Not only is pet sitting insurance important for your own protection, but it helps you stand out as a professional. You can no longer think in terms of doing it as a favor. In addition to providing protection against lawsuits, insurance will help dog walkers look more professional compared to the other dog walkers in business in your area. Must Ask Questions Before Accepting a Pet Sitting Job. or Safari. They won’t trust just anyone with their pets. General Advice: Yes, Probably. Time To Pet highly recommends that pet sitters and dog walkers carry some form of Pet Sitting Insurance to help mitigate their risk. These policies were designed to take the worry and hassle out of finding reliable coverage. You will also benefit from £250 of equipment cover which can be increased up to £30,000 if required. From public liability to care, custody and control, we explain what type of insurance is needed to be as professional pet sitters. Insurance Policies Will Help You Land More Clients. Do Pet Sitters Need Insurance? pet sitting, dog daycare, grooming, pet taxi, dog training, pet portraits, and pooper scoopers. It may even be wise to cough up a couple of hundred dollars to speak with an attorney about your potential liability before securing a specific policy. Liability insurance policies are typically comprehensive, but they may not cover some loses. This is probably the most vital component of any business insurance policy. Your pet sitting insurance policy will provide you with up to £10 million worth of Public Liability, £50,000 Care, Custody and Control cover should an animal get injured, lost or killed, plus £10,000 worth of lost key cover as standard. Insurance policies are generally a good idea for most businesses, but they are especially wise for those who engage in high-risk or high-stakes activities. Being insured is a great way to do so. Customers are looking for someone who takes their job professionally and can treat their home and pets with great care. © Copyright 2021 by K9 Of Mine / Marrsipan Media LLC |, Best Cities for Dogs: Where to Move With Fido. Part of the appeal of these types of businesses is that you don’t need a lot of money to start them. However, for pet sitters, there can be many more strands to public liability cover than other forms of work. Choose a policy and pay your first premium. Call or buy online. Get tons of great dog training tutorials, canine gear guides, and the latest doggy discounts. Launching a website, securing good advertising and having positive customer reviews may come to mind, but even more important than any of that is securing pet sitters insurance. Worker’s compensation insurance (often simply called “worker’s comp”) is an insurance policy that covers the costs employees may incur if they become injured while on the job. Business Insurers of the Carolinas has been providing General Liability Insurance specifically designed for pet sitters since 1995. Time To Pet highly recommends that pet sitters and dog walkers carry some form of Pet Sitting Insurance to help mitigate their risk. If any of these things happen, you may find yourself on the receiving end of a court summons. Pets may have wildly different needs, so keep notes and/or files on each pet to ensure they’re getting care tailored to them. 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 … Sure, it’s understandable that you might think ‘hey, I’ll deal with that later down the track’. insurance. So, you’ll need to do everything you can to give yourself a competitive advantage. Auto insurance will protect you (and potentially your employees) from any damages that arise during the business use of a vehicle. It’s a risk that you don’t need to take,”. It is true that you won’t have to worry about being sued because you broke a window or TV in your client’s home while caring for his or her pet. But there are also a number of things you’ll have to figure out that are less fun. May 17, 2017 | 11:k AM . You may just trip over a new puppy or kitten and fall onto the glass coffee table, causing it to smash. by Professional United Pet Sitters LLC The following companies are known to provide quality pet sitting insurance to individual pet sitters as well as professional pet sitting businesses. You also risk losing your homeowners or renters insurance coverage if your agent discovers that you’re running a business (even home-based business) without adequate Whether you offer complete in-home pet care services or focus exclusively on professional dog walking, accidents can happen—and having the right insurance protects your clients, their pets, you and your business. Different businesses use slightly different terms to describe their policies, but the basic options are as follows: Liability insurance policies protect your business from things like property damage or bodily injury that may occur during the course of doing business. Do I Need Pet Sitting Insurance? Ben Team You’ll just have to review the policy carefully to determine what is and is not covered. Public liability insurance. Insurance for dog walkers and pet sitters is a must! While this is not something you probably want to think about, these are the risks and threats to you as a pet sitter and as a business owner. Thank you very much. Whether you are an independent contractor, own a pet sitting company, or are a subcontractor for other pet sitting organizations, having pet sitter insurance is a worthwhile investment. April 2, 2019 All pet sitting policies include general pet sitting liability insurance, which helps you with the cost of legal claims against you from injuries or damages sustained by a third party during your … To do this, you need to know as much as possible about the animals you are watching. A pet sitter was walking three dogs. Bonding will cover any losses experienced by the client in the case that you steal or misplace some of their property. Learning that you may need to obtain insurance can be a bummer for many people interested in starting a pet-sitting or pet-walking business. Since 1998, we've provided our members with the … How Do I Obtain a Pet Sitting Insurance Policy? The above question comes up often in the pet sitting business. Common skills that good pet sitters have include trustworthiness, reliability, interpersonal skills, communication skills, a love for animals and flexibility. Disclaimers . To offer you greater peace of mind, our Covered For Life rabbit insurance provides up to £2,000 vet fees cover per year. What is the job outlook like for pet sitters? What advice do you have for me please? This includes pet sitting insurance! Don’t just compare the differences in monthly premiums. Pet sitters do not need a license to operate, although acquiring a business license is advisable, but not necessary. Would like to know prices for insurance for pet sitting in our home or client home. Get tons of great dog training advice and tips about gear! Dog walking insurance and bonding are crucial for a successful dog walker. Public liability insurance This is probably the most vital component of any business insurance policy. Do you need pet insurance for rabbits? However, you’ll be glad you obtained an insurance policy if something bad ever happens while you’re on the job, as the only difference between a successful business and one that has to close its doors often comes down to insurance. Here's why you need it and how to find best dog walking insurance plans. Pet sitting is providing care for an animal in a client’s home. We’ll try to help you navigate the process – just follow the steps outlined below. This requirement includes pet sitters. “Without needed liability coverage, sitters are taking a huge risk. This includes the obvious stuff, like walking the dog, feeding and watering, and providing some interaction while the pet parent is away. I love cats and would like to become a cat sitter. But what kind of insurance do you need as a pet sitter? Yes No. “An employee dishonesty bond is typically what you’re going to need, paired with the liability insurance to be adequately covered as a pet sitter or dog walker.” A bond is not insurance, but it will protect the client and it will protect you, the pet sitter or pet sitting … Pet sitters commonly provide dog walking services. Not only is pet sitting insurance important for your own protection, but it helps you stand out as a professional. Pet Care Insurance Providers. This is particularly prevalent in dense urban areas, where pet owners often lead busy working lives, and are hence unable to care for their pets. I will not have any employees however personal thief is a concern as it appears we are in an entitled age and lawsuits a plenty. There is not a yes or no answer to this question . Animal hospitals and veterinarians Pet boarding Pet groomers Pet sitters Pet trainers and dog walkers Choose the best rate and coverage Insureon helps pet care professionals compare insurance quotes … Pet industry insurance for professional dog minders walkers and pet sitters. You may even be held personally responsible – meaning that you’ll still be expected to pay the damages, even after you dissolve the business. By working directly with the largest pet sitter associations and their members for almost 25 years, we have gained a unique understanding of the types of claims that occur in the industry and what is needed to be properly covered. There are a number of different types of insurance policies, and you’ll need to familiarize yourself with the options available. The more gigs you get, thanks – in part – to having insurance, the more money you make in the long run! Note that your homeowner’s insurance policy may not cover business activities conducted in your home. Pet sitting is a responsible job, and many owners appreciate a sitter who has specialist insurance. Professional United Pet Sitters LLC is not a ffiliated with any pet sitter and dog walker liability insurance companies, including the ones listed below. All pet owners are concerned with the safety and security of their pets. Or in-home Pet Boarding? Umbrella insurance policies help to protect you from any gaps in your coverage. Insurance policies not only provide potential clients with more peace of mind, but they also help you project a professional appearance. You may be on a shoestring budget at the outset, but you’ll be glad to know you are completely covered once you start rolling in money. Do I need pet sitting insurance? Even if they don’t require pet sitters and walkers to be insured, it may still be very wise for you to obtain a policy. If, for example, your client’s dog breaks a leg because he tripped on a tree stump in your backyard, you may find yourself liable. After all, you probably got into this business because you like caring for pets, not because you want to worry about things like financial liability. In some cases, the location in which you conduct business will affect your liability. Pet sitting insurance. That’s a great responsibility. Once you decide to become a pet sitter and make it a business, it changes things. Just like any other small business, there are business expenses for pet sitters. You don’t want to pay premiums for years only to find that the insurance policy you obtained won’t protect you from some types of claims. By clicking “Allow” you agree to the storing of cookies on your device. Your pet care business can face both property and liability risks. Public liability insurance for house sitters. Pet Sitters face their own specific set of risks and liabilities. I understand that I would need pet insurance and bonding. What If I Pet Sit at My Own Home vs an Owner’s Home? As a pet sitter, it’s important to have full pet sitters liability insurance to protect you should anything go wrong. Best Dog Boat & Pool Ramps: Water Adventure Safety. For example, will you be walking the pets at a local park or in your backyard? The Rover Guarantee reimburses members of our community for costs arising from certain injuries to the Rover pet or resident pet … In fact, you should probably start with any insurance companies you already have a policy with (such as your car, homeowner’s, or rental insurance provider). By Business insurance is designed to protect your small business from financial harm. Your typical pet-sitting procedures may also influence your insurance needs. Just note that most insurance policies will not become active until you pay your first premium, so write a check and get it in the mail (or pay via the website, if possible). Given the risks driving always presents, this is an important consideration for dog sitters and walkers – particularly those who employ others. Not all states require pet sitters to be licensed, although a pet sitting business must be registered with the state. Insurance will not only protect you from financial loses if something bad happens, but it’ll also allow you to stop worrying about avoiding problems and focus instead on doing the best job you can. Obtain quotes from a few different insurers. Easy, right? We have been involved in all the aspects of workers compensation for pet sitting and IC’s. This could be something as simple as a misplaced key to a client’s house, to an injury to an … There are two primary reasons that most pet sitters should obtain an insurance policy before starting a business. However, there are a variety of ways you may accidentally lose or take some of your client’s property and wind up facing a lawsuit. In some cases, your personal auto insurance policy may suffice, but some insurance companies will deny claims that occur if you are using your vehicle for business purposes. Without insurance, you can lose not only your business but also your personal property if you lose your case in Pet sitting insurance is important for pet sitters, dog walkers and dog runners. Clients hire pet sitters to exercise and care for their pets when they are unable to do so themselves. Third Party Liability; Cover for pets in your care, inc. picking up and dropping off; Cover for your spouse, partner, or close family members included ; and more ; find out more. Once you've decided on the best coverage for your pet sitting services, you will need to review different insurance policies to determine which providers offer the best deal. Each one offers insurance policies for pet-related businesses. In Canada, PROfur Pet Sitting Insurance and Canadian Pet Pro are two main insurance … Frankly, these services don’t care if you get sued – they’re only interested in limiting their own liability. Once you’ve figured out the best policy for your needs and spoken with any insurance or legal professionals you need to, it is time to pick out a policy and put pen to paper. Pet sitters need several skills to be successful in their jobs. He currently lives in Atlanta, GA with his spoiled-rotten Rottweiler named J.B. 1. You can also get coverage if you are a pet groomer, dog walker, dog trainer, daycare or pet kennel. For example, you’ll have to figure out a way to advertise your services, you’ll need to decide how you want your website to look, and you even need to come up with a snappy name for your business. While the odds of having an issue are slim when you care for someone’s pet once in awhile, offering pet sitter services professionally is completely different, and you need to start thinking of your services from a professional standpoint. Understanding that you need an insurance policy and knowing how to obtain one are two completely different things. Call or buy online. Similarly, some policies won’t cover damages that occur while you have live animals in the vehicle. Also check whether your clients and any agencies you work with expect you to have particular insurance. Well, for one if a pet sitter is bonded and insured it means they are running a legitimate business. Most pet sitters like to be covered if something were to happen at the meet and greet, while on a walk with a dog and they were attacked by another dog, or simply put, if they hurt themselves… These types of situations generally are not … There are many types of business insurance policies, from general liability insurance to workers’ compensation and more, which you may encounter. I am just starting out and was somewhat confused as to the level of insurance and bonding coverage. For better security, a more stable environment, and faster loading times, we If you sit in a client's home or provide live-in pet sitting services for clients while they travel, it is also a necessity. You need to mitigate these risks, have access to resources to make the situation right, and ensure you are covered by investing in pet sitter insurance. Your current browser may cause issues that will affect the use of this site. 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Looking to expand your pet sitting insurance or pet-walking business experienced by the,., many of these things happen, you need, pet portraits and! Are responsible for watched a pet sitting insurance Custody and Control, we explain type... Primary reasons that most pet sitters since 1995 up your very own sitting. Some Insurers can cover injury to pets, as part of your business also! Designed for pet sitting insurance take, ” start at around $ 40 month! The receiving end of a vehicle, please send us an email of... With great care mind for both you and your customers property if provide... To start them s pets business can do so themselves is that you are watching when they are insured! Storing of cookies on your location and the latest doggy discounts all of your sitting! Comparing quotes from different providers, be sure to check back yearly, as rates and do. Plus, you can to give yourself a competitive advantage to plead your case court... 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