But what kind of insurance do you need as a pet sitter? How Do I Obtain a Pet Sitting Insurance Policy? At Pet Business Insurance we understand that you have specific insurance needs and concerns, which is why we provide the … It is very important for pet sitters to know the pets they will be looking after beforehand. It may also pay a portion of their salary until they are able to return to work. The plan provides excellent coverage for business liability including pets in your care and fidelity bonding. Scenario 2 Person is doing house sitting at the Owners home and is told not to let dog inside. Whether you are a dog walker, pet sitter, or groomer, accommodating your clients’ needs (and schedules!) Every business has it’s own specific risks that need to be considered so that you can protect your business and financial security. Does Location Matter? In this post I’ll go over the reasons why I won’t go without pet sitting insurance. Why do pet sitters need insurance? The PSI Pet Sitter Dishonesty Bond protects you and your customers from loss as a result of theft … Accordingly, you’ll want to research the terms and conditions before signing up with any of these services. Our pet sitting insurance provides you with coverage that responds to the claims most often faced by pet sitters including: Pets that get sick on your watch; While in your care, custody, or control a dog is bitten If you provide pet sitter insurance, including care/custody/control, and would like … Pet sitters insurance NarpsUK are proud to announce their affiliation with Pet Business Insurance - one of the leading providers of pet business insurance in the UK. insurance. “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 company, when a theft occurs. If you have any type of pet sitting business, then you should consider getting insurance. Each one offers insurance policies for pet-related businesses. 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. Dog Sitting Insurance: Customised Cover for Pet Sitters, Boarding & Day Carers. When you're researching the coverage you need, it's a good idea to check in a few reputable places. These policies were designed to take the worry and … Pet Sitter Insurance Providers . You’ll need to carefully research the laws in your state and any current insurance policies you have to determine how location will affect your insurance needs. Pet industry insurance for professional dog minders walkers and pet sitters. Others have policies that start at around $40 a month. Pet sitters should consider pet sitting insurance.If you care for or feed pets for a living, including dogs, cats, birds, reptiles, and fish or if you provide doggy day care or dog boarding in your home, it is an essential purchase as part of doing business. Pet sitters should consider pet sitting insurance.If you care for or feed pets for a living, including dogs, cats, birds, reptiles, and fish or if you provide doggy day care or dog boarding in your home, it is an essential purchase as part of doing business. Most pet sitter insurance companies cover liabilities, medical visits, and serious accidents. You need pet sitting liability insurance coverage that’s there just when you need it, whether that’s five minutes before a last-minute dog walking booking or months in advance of a week-long pet sitting gig. 14 pet-sitter insurance claims to avoid. 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. The most comprehensive insurance policies for pet sitters or those combined with bonding can run anywhere between $300 and $600 per year. The sitter takes dogs out for walks, feeds them and provides them with water. Part of the appeal of these types of businesses is that you don’t need a lot of money to start them. (Guide for Caregivers) Written & Illustrated by Matthew Taylor Published 16 February 2019. 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. They tend to check on the pets a couple of times a day, typically for between 30 minutes to an hour at a time (the owner and pet sitter can decide on time and length of the visit depending on their pet’s needs). However, for pet sitters, there can be many more strands to public liability cover than other forms of work. Most will gladly provide you with a quote for free, and some will even allow you to obtain quotes directly from their website. Pet Sitters face their own specific set of risks and liabilities. All pet owners are concerned with the safety and security of their pets. There’s a lot to think about when starting your own pet-sitting business. Pet sitter insurance protects against the unique liabilities of running a small pet sitting business, including lawsuits filed by pet owners and medical bills from injuries. Professional United Pet Sitters LLC is not a ffiliated with any pet sitter and dog walker liability insurance companies, including the ones listed below. Most people have watched a pet for a friend or family member. And, if you don’t have an insurance policy or a substantial bank account to pay for the damages, you may ultimately be forced to go out of business because of the lawsuit. The more gigs you get, thanks – in part – to having insurance, the more money you make in the long run! Savvy pet sitters know that a pet insurance between pet owners choosing them for their pet sitting needs. You will need workers compensation insurance to adequately cover injuries to your employees and/or independent contractors. Speak with an insurance agent or attorney if you have any questions. Itâs just something that we do. Dog walkers may provide slightly different services than pet sitters, but they are subject to many of the same risks and liabilities that pet sitters are. is part of the job. Itâs a risk that you donât need to take,â. There are several companies that offer insurance for pet care professionals. Auto insurance will protect you (and potentially your employees) from any damages that arise during the business use of a vehicle. ... My customers have said it is helpful to find everything they need to know about me and my business. Contact the companies directly for more details. Bonding. Most will likely provide informational websites that’ll explain the basic insurance requirements in the state, and they may even provide tips and other resources that’ll help you obtain the right type of coverage. If you provide pet sitter insurance, including care/custody/control, and would like to be listed, please send us an email. Time To Pet highly recommends that pet sitters and dog walkers carry some form of Pet Sitting Insurance to help mitigate their risk. You need pet sitting liability insurance coverage that’s there just when you need it, whether that’s five minutes before a last-minute dog walking booking or months in advance of a week-long pet sitting gig. Most pet sitters today are finding that their potential clients want their pet caretakers to carry some type of insurance. The Rover Guarantee is our commitment to you in the rare instance that something goes wrong during a booking. Do pet sitters need insurance? Choose a policy and pay your first premium. You can also get coverage if you are a pet groomer, dog walker, dog trainer, daycare or pet kennel. Pet Sitting Insurance covers all your requirements, including; Public Liability – should an animal cause an accident or injury or damage someone elses property. A number of things can go wrong when you’re taking care of a client’s pets. Tailored insurance for pet businesses. This includes general and professional liability as well as coverage if damage is caused to a customerâs home or contents while you are pet sitting. What Kind of Insurance Do Pet Sitters Need? 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. You can buy your annual policy from just £73.59. To help you get the protection you need, Pet Sitters International offers LIABILITY PROTECTION POLICIES. Without needed liability coverage, sitters are taking a huge risk. Professional United Pet Sitters LLC does NOT offer nor endorse ANY Pet Sitter insurance, business insurance, health insurance, or bonding. But if your dog does need urgent medical care, insurance can be a huge relief. Let us know how you’ve navigated the insurance-policy waters below! Pet sitter insurance protects various pet service businesses from liability claims. This is probably the most vital component of any business insurance policy. These policies were designed to take the worry and hassle out of finding reliable coverage. Insurance for Pet Sitters All pet sitters and their clients need the reassurance of good insurance cover. 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. For example, will you be walking the pets at a local park or in your backyard? Do Pet Sitters Need Insurance? Our pet sitting insurance provides you with coverage that responds to the claims most often faced by pet sitters including: Pets that get sick on your watch; While in your care, custody, or control a dog is bitten Pet sitter insurance signifies that you are serious about your business. As well, pet sitters who look after more than one pet should charge a higher salary. As when picking a good policy, your state’s insurance commissioner may be able to provide information, and you can always speak with an insurance agent or attorney. As you can see, having this type of coverage will ensure you and your business are covered for any event while an animal is in your care. So, you’ll need to do everything you can to give yourself a competitive advantage. 13 min read Plus, you have the coverage and resources to handle any and all situations that could arise while watching their pet. Every time a pet sitter takes on the care of an animal, there's the risk of injury to both pets and humans. The Pet Owner would need Pet Insurance to cover the vet bill (for accident and Illness) as there is no negligence from the pet sitter’s actions. We’ll try to help you navigate the process – just follow the steps outlined below. Martha has been featured as a Child Care Expert in hundreds of publications across Canada including The Globe and Mail, CBC, Today's Parent and The National Post, She lives in British Columbia with her husband and two daughters. court. 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. A few hours later, you accidentally drop the phone, leaving your client with a several hundred dollar loss. Also, like insurance, bonding helps to project a professional appearance to potential clients, and it’ll often help you be more competitive in the marketplace. You can no longer think in terms of doing it as a favor. Simply Business offers between £1 million and £5 … You do not qualify for the Individual policy if your business is classified as a partnership, LLC, Inc., or type S corporation. Investing in pet sitter insurance is investing in yourself as a pet care provider and investing in your business. Some will require that sitters obtain a liability insurance policy to use the service, but most do not. Dog Care The Rover Guarantee reimburses members of our community for costs arising from certain injuries to the Rover pet or resident pet that occur during a … Learn which types of insurance … Once you decide to become a pet sitter and make it a business, it changes things. However, many policies have additional coverage or add-ons. Note that your homeowner’s insurance policy may not cover business activities conducted in your home. For dog and pet owners, pet insurance can provide dog owners with a choice of benefits and a range of options. Do dog sitters need insurance? Every time a pet sitter takes on the care of an animal, there's the risk of injury to both pets and humans. Pet Sitters who take care of pets for others have a very special responsibility – as those pets are mostly regarded as an important family member. Beyond general liability, pet sitters should consider bonding for the coverage of theft, carry commercial auto insurance, and of course, have workers compensation insurance, which is compulsory in most states. Umbrella insurance policies help to protect you from any gaps in your coverage. Because of the unique risks associated with working with animals, pet business owners do have specific insurance needs. Obtaining a tailored pet industry insurance scheme is your best bet for protecting your business and the animals in your legal and physical control. Membership of Petsitters Alliance gives you peace of mind at an affordable price. This was very helpful to me. Pet Sitting Insurance can give you financial protection if an accident occurs and having insurance can also provide you, your staff members, and your clients peace of mind. Plus, you have the coverage and resources to handle any and all situations that could arise while watching their pet. Obtaining a tailored pet industry insurance scheme is your best bet for protecting your business and the animals in your legal and physical control. You need to think not only in terms of a pet lover but also as a business owner. We make it easy for you get a customized, cost-effective PROfur insurance policy that does a complete job of covering your pet sitting business. 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). And we all know there is a lot that could go wrong when pet sitting â from pets running away, biting someone, falling ill, and many other situations â all of which you are responsible for when caring for a personâs pet. Professional United Pet Sitters LLC does NOT offer nor endorse ANY Pet Sitter insurance, business insurance, health insurance, or bonding. Bonding is somewhat like insurance, but it actually protects your clients, rather than you. In this way, you and the pet owners you work with can be confident you are prepared for the worst case scenario. There are two primary reasons that most pet sitters should obtain an insurance policy before starting a business. Pet sitting is a responsible job, and many owners appreciate a sitter who has specialist insurance. Our Canadian Pet Sitters and Dog Walkers Insurance Plan has been tailored specifically with the needs of you sitters and walkers in mind. You may also need to pay more if you want to include coverage at your own home for dog daycare or if you plan to offer dog training or grooming. A number of insurance companies provide coverage for pet sitters, so this isn’t terribly difficult. Pet sitters are generally good-hearted people who love animals and want to help their clients out. These policies were designed to take the worry and hassle out of finding reliable coverage. There are a number of different types of insurance policies, and you’ll need to familiarize yourself with the options available. I am just starting out and was somewhat confused as to the level of insurance and bonding coverage. You may even be legally required to obtain worker’s comp, depending on your location and the nature of your business. Apply now. General Advice: Yes, Probably 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. If you donât already have it, give some serious considering into getting pet care insurance. You will pay more if you need coverage for a spouse or employee. We got this! Different companies charge different rates and design their policies in different ways. Public liability insurance is often a very important cover for dog walkers and pet sitters, in case someone is injured or their property harmed because of your business. In this article, we explain what insurance pet sitters in the UK need, and then review pet sitting insurance providers to help you find the one that’s best for you. Whether you cat or dog sit while their owners are at work or are away over the holiday period, we can tailor cover to best meet your needs. An edge over competitors. 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 Or we drop in to feed the cats and change their litter. Pet industry business insurance for dog groomers, boarding kennels and catteries in the pet industry. They tend to check on the pets a couple of times a day, typically for between 30 minutes to an hour at a time (the owner and pet sitter can decide on time and length of the visit depending on their pet’s needs). To get specific information about pet insurance coverage and application requirements, talk to your insurance provider. Some insurers can cover injury to pets, as part of your public liability insurance. 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. Having insurance shows that you are a serious pet sitter and take your role seriously. 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. It will immediately take your business to the next level and help you secure more gigs. BIC’s coverage includes the broadest Care, Custody or Control coverage for the pets and property in your care whether at your client’s home, in transit or at your home. What is Pet Sitter Insurance + Why Would a Pet Sitter Need Insurance? Often they get anxious because Mom and Dad are gone, or they just want to test the sitter and see what they can get away with. 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). Often pet sitters will also need professional liability coverage if you provide pet care instruction or advice to your clients. You may even be held personally responsible – meaning that you’ll still be expected to pay the damages, even after you dissolve the business. 1. If you want to start a pet sitting business in Florida, you must get a business license from the Florida Division of Corporations. Chances are, she’s currently giving him the eyes and begging to go to the park. Pet sitting insurance is important for pet sitters, dog walkers and dog runners. What Does it Mean to be Bonded and Insured as a Pet Sitter? Accidents and Injury Cover – Covers any accidents or injuries that may occur to the animals in your care. Therefore, you can get coverage for all the pet-related services that you offer. Cattery and kennel fees if you have to go into hospital for more than 4 days in a row. 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. There are a variety of referral services available, and they all have different policies regarding insurance. Some of the factors that’ll influence the amount of money you pay for your policy include: A few of the companies offering policies for pet sitters start at around $10 a month or so, but you may end up spending much more than this if you, for example, work with a large number of families. Bonding will cover any losses experienced by the client in the case that you steal or misplace some of their property. You’ll surely notice that most of the successful pet sitters are insured (they’ll usually advertise that they are), and potential clients will usually prefer pet sitters who have policies in place. Pet Sitter / Dog Walker / Pet Taxi / Pooper Scooper Individual Liability Policy ** (please read below to see if you qualify. 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. Liability insurance policies are typically comprehensive, but they may not cover some loses. 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. While the level of coverage will vary based on the insurance provider you choose, pet sitter insurance typically provides coverage in three key areas: This includes coverage for injury or loss of a customerâs pet âincluding emergency vet care, death, runaway recovery expenses, animals in transit while in your care, and even rewards for safe return of the animal. 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. Pet Business Insurance Options Get great coverage at a more affordable price on your pet business insurance by becoming a member of Pet Sitters Associates today. K9ofMine.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. While we provide information resourced and canine education, the content here is not a substitute for veterinary guidance. 14 pet-sitter insurance claims to avoid. Ben Team What happens if something goes wrong while you are pet sitting? Martha is the founder of CanadianNanny.ca. What are you waiting for? Successful pet sitting professionals are insured and bonded for a very good reason. Business Insurers of the Carolinas Business Insurers of the Carolinas has been providing General Liability Insurance specifically designed for pet sitters since 1995. Having insurance shows that you are a serious pet sitter and take your role seriously. This means that you may need more or less coverage, depending on whether you pet sit at your clients’ homes or your home. Just like groomers, professional boarders, and trainers, pet sitters need to be responsible for anything that could happen under their watch. 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. Just happens I do have an appointment with a business attorney this next week to chat about my liabilities as a pet sitter. Rather, you need to think about pet sitting as a service. It’s the only way you’ll have a chance of succeeding in such a crowded industry. Get tons of great dog training advice and tips about gear! Whether you cat or dog sit while their owners are at work or are away over the holiday period, we can tailor cover to best meet your needs. Liability insurance is the first type of insurance policy most dog sitters – particularly those with new businesses – should obtain. You may also want to think about becoming bonded. Get A Quote From Veracity’s Pet Care Insurance Division Basic pet sitting policies can still be had for as little as $150 per year. You do not qualify for the Individual policy if your business is classified as a partnership, LLC, Inc., or type S corporation. 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. Additionally, K9ofMine.com participates in various other affiliate programs, and we sometimes get a commission through purchases made through our links. Contact the companies directly for more details. You may not need worker’s compensation insurance if you don’t have any employees, but it is essential if you do. Obtain quotes from a few different insurers. Do you have the insurance necessary to manage the expense? 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. 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. A bond would likely pay for the phone in these circumstances. For anyone using a pet sitting service, knowing the pet sitter has appropriate insurance gives them peace of mind. Unfortunately, sometimes this means they get taken advantage of. Babysitter insurance Do Babysitters & Nannies Need Insurance? For example, you may accidentally pick up your client’s phone, thinking it was yours. What insurance do I need as a dog walker? The Dogs Trust will give you third party cover up to £1 million as part of their membership. PetSitter.com is the #1 way pet parents find loving pet sitters, walkers, and boarding. You can get pet insurance either just to cover this situation (third party) or as part of a more comprehensive pet insurance policy. Why do pet sitters need insurance? Business insurance is designed to protect your small business from financial harm. With pet sitter insurance, you immediately have an advantage over other pet sitters who are not insured. 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. How far do you have to go to set it up? Most people who participate in dog sports (like agility) choose to get insurance. You do not qualify for the Individual policy if your business is classified as a partnership, LLC, Inc., or type S corporation. Fortunately, many of these things are pretty fun to think about. In Australia, if you own a pet sitting business, you can be liable for damages or injuries to another person or property. 7 Tips for Hiring a Dog-Sitter: Finding the Best Canine Caretaker. Umbrella policies are most commonly obtained by businesses with a lot of assets to protect, but they can also be wise for startups who engage in high-risk industries. I know what you’re thinking: I would never steal anything from my clients, so I don’t need to become bonded. Your current browser may cause issues that will affect the use of this site. Many first-time business owners don’t know where to begin. With pet sitter insurance, you immediately have an advantage over other pet sitters who are not insured. The Rover Guarantee is our commitment to you in the rare instance that something goes wrong during a booking. What do sitters need to know about the Rover Guarantee? By law, all Pet Sitters in Australia need Public Liability Insurance. Pet Care Insurance has policies start at $139/yr and are tailored to the unique needs of pet sitters. Frankly, these services don’t care if you get sued – they’re only interested in limiting their own liability. Pet Sitters Insurance Pet sitters insurance from Petplan Sanctuary offers a range of cover if your business involves caring for other people's pets in the owners home. Once you’ve obtained a few quotes, it is time to compare the options available! As a Pet Sitter, in-home Pet Boarder or Animal Minder you are responsible for the safety of guest animals and for their actions whilst they are in your care. Pet sitting insurance is about $180 to $240 per year, depending on the company and plan you choose. It will also give you the peace of mind in knowing that you have coverage, should something unforeseen occur. Being insured is a great way to do so. âWithout needed liability coverage, sitters are taking a huge risk. But exactly how “businesslike” is this business? Pet sitters look after people’s animals visiting them in their house while the owners are away from home. or Safari. Pet sitter insurance protects against the unique liabilities of running a small pet sitting business, including lawsuits filed by pet owners and medical bills from injuries. Not only do you protect yourself financially when you have insurance, but you also give your clients the peace of mind of knowing that you are a professional who takes your job very … If you do not, apply for the Standard policy above.) It is not a requirement to have pet sitter insurance to run a dog walking or pet sitting business, but it is highly recommended. Taking care of pets can be a tough job. Easy, right? I find it saves me a lot of time with invoices and … 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. It not only protects you and your business, it can provide you with a number of business advantages, including: Being able to market any business, let alone a pet sitting business, as fully insured and bonded will immediately make you an attractive option for people exploring their options for a pet sitter. Make sure your business - or dog - is protected. With that in mind, here are 4 types of clients that you’re better off steering clear of when you become a pet sitter: Accordingly, it is usually wise for dog walkers – as well as anyone who works in a pet-care field – to obtain a liability policy. Instead of you having to reach into your pocket to pay for the damages, the insurance company will. Understanding that you need an insurance policy and knowing how to obtain one are two completely different things. They want a company they can trust. Muddy Paws will do that. We stay overnight, take the dog for a walk and feed them. 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