Dog Walker Insurance
Get peace of mind on the go with dog walker insurance.
$14.58/ month
Protection for your ruff days.
Backed by
What Is Dog Walker Insurance?
Dogs and the walkers who love them deserve to be protected. Dog walker insurance is financial coverage for your business and the pets in your care for these common accidents:
Property Damage and Harm to Others
Dog walker insurance offers $2M general liability coverage in case of pricey claims and lawsuits.
Pet Accidents and Injuries
Pet Protection Coverage (Animal Bailee) shields you and pets in your care, custody, or control.
Emergency Vet Care
Veterinarian Reimbursement refunds you so you can get pets the help they need right now.
Lost Keys
Lost Key Liability Coverage handles rekeying costs when you’re locked out of a client’s home.
Get the support you need to put pets first with dog walking insurance from Pet Care Insurance.
Buy Online in 10 Minutes or Less
Instant Proof of Insurance
Employee Dishonesty Coverage
(Similar to Bonding)
Friendly, Certified Customer Service
We’ll Take Care of That
Pets are unpredictable — good thing your coverage is reliable. PCI was there for these dog walkers and the pups in their care when the worst happened:
Insurance for Dog Walkers Explained
Who Needs Dog Walker Insurance?
Dog walking businesses of all sizes need liability insurance, from solo walkers to big pet service companies. Insurance for dog walkers can shield pet professionals like these from legal and financial responsibility for mistakes and injuries to others:
- Independent dog walkers
- Dog walking LLC owners
- Dog walking franchises
- Dog walking employees
- Dog walking contractors
- Rover, Wag, and other pet care app walkers
What Does Dog Walker Insurance Cover?
Dog walking business insurance can cover your responsibility to pay for many claims, legal costs, and medical bills related to your business. These coverages are included in your policy for common (and risky) dog walking situations:
General Liability Insurance: Covers bodily injury and property damage to others, harm due to your services or products, advertising mistakes, and damage to spaces you rent.
“Bailey bounded over to another dog at the park and knocked the owner down. The owner hurt her back and wants me to pay her medical bills.”
Pet Protection Coverage (Animal Bailee): Protects you against legal claims for the harm or death of animals in your care, custody, or control
“Kennedy the husky broke away from me when he spotted a squirrel on a walk. He chased it into incoming traffic and was hit by a car.”
Veterinarian Reimbursement: Pays you back for emergency vet bills, so you can get sick or injured pets the immediate care they need without worrying about your wallet
“On my first summer walk with Muffin, I didn’t realize she had low heat tolerance. I started seeing signs of heat stroke and rushed her to the vet.
Lost Key Liability Coverage: Reimburses you for locksmith costs if you lose a client’s keys
“I must have dropped my client’s keys during my walk. They could be anywhere along three miles of trail, leaving Buddy and me locked out over the weekend.”
How Much Does Dog Walker Insurance Cost?
Dog walking insurance from PCI costs as little as $14.58/month or $154/year. Our standard policy includes the protections any dog walker would need, but you can also customize your coverage to fit your business. Opt into some of these extra coverages now, or add what you need anytime as your business grows:
- Workers Compensation Coverage: free quote available
- (Most Popular) Broadened Property Damage Coverage: $2.42/month
- (Most Popular) Additional Pet Protection: three options, starting at $1.99/month
- Additional Veterinarian Reimbursement: $3.99/month
- Equipment & Inventory (Inland Marine) Coverage: three options, starting at $4.08/month
- Employee Dishonesty Coverage: $4.92/month
- Additional Insureds: $0.83/month
- Cyber Liability Insurance: $6.58/month
- Employee Coverage: $2.08/month
- Independent Contractor Coverage: $4.17/month
Want to know where your insurance price comes from? See a simple breakdown of what affects your cost on our dog walker insurance cost page.
How Do I Get Dog Walking Insurance?
Getting covered with PCI is fast and easy, even on the go. Just follow these steps:
- Go to our online application.
- Choose the coverages you want.
- Tell us a little about your business.
- Get your instant quote.
- Enter your payment info.
It’s proof of insurance and peace of mind in 10 minutes or less.
Important note: Veterinarian Reimbursement and Pet Protection Coverage have a seven-day waiting period. Get insured before accidents happen so you’re ready to get pets the help they need right away.
Coverage Details
Click the info buttons to learn more about each coverage in our A-rated dog walker insurance.
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.
Why Dog Walkers Love Pet Care Insurance
Because your insurance should love you back! Insurance companies that don’t specialize in pet care often skip coverages that are essential for dog walkers (like pet protection and vet reimbursement). PCI covers your tail, so you can focus on loving what you do.
These are real scenarios dog walkers face and coverages we include in dog walking business insurance to keep you protected:
Hear What Our Favorite Humans Have to Say
Dog Walker Insurance FAQs
What kind of insurance do you need to be a dog walker?
Insurance for dog walkers needs to be tailored to your unique risks, from extreme weather pet injuries to fights between dogs. At a minimum, we suggest these coverages to protect your furry clients and your finances if you’re growing or starting a dog walking business:
- General liability insurance
- Animal bailee insurance (aka Pet Protection)
- Veterinarian reimbursement
- Lost key liability insurance
- Workers comp insurance (if you have employees and operate in any U.S. state except Texas)
Should a dog walker be bonded and insured?
Dog walker insurance and bonding go hand-in-hand if you run a walking service with employees. Employee dishonesty bonds keep you from paying to make things right with a client if your employee steals from them. PCI offers employee dishonesty coverage (similar to but better than bonding) to show clients they don’t have to worry while you’re on the job.
Is dog walking insurance required by law?
Most dog walkers aren’t legally required to get insurance, but most also can’t afford to skip it. Dog walkers are often held financially responsible for property damage and injuries to people or pets. Insurance can help pay for medical bills, legal fees, repairs, and more. Some pet parents and employers also require insurance before handing over the leash, so it pays to be prepared.
Do I need insurance if I work through platforms like Rover or Wag?
Yes! Rover, Wag, and most other pet care apps do not provide dog walking insurance. If an accident happens while you’re caring for a pet, they’re set up to protect the pet and their owner — not you. That’s why Rover and Wag both recommend buying dog walker insurance on your own. See our insurance for Rover dog walkers page to get the full scoop.
See What Else We Cover
We protect pet care professionals for all kinds of services. Here are some of our most popular:
