Pet Sitter Insurance
Pet sitting insurance for sitters who put pets first.
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Pet Sitter Business Insurance Made for You
Love clients’ pets like your own and be a successful sitter with coverage that loves you back. Pet Sitter Insurance is business insurance tailored to protect your furry clients and your finances against a pet sitter’s biggest risks:
Property Damage and Harm to Others
Pet sitting 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 no-fear coverage you need to treat animals like family and show pet parents you’re a sitter they can trust.
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Instant Proof of Insurance
Employee Dishonesty Coverage
(Similar to Bonding)
Friendly, Certified Customer Service
Let Us Take Care of That
When animals get sick or injured under your care, support matters. We have your back so you can make pet safety the top priority. Here’s how we’ve helped sitters like you:
Insurance for Pet Sitters Explained
What Is Pet Sitter Insurance?
Pet sitting insurance is financial protection from accidents, injuries, and damages that happen while you’re caring for a client’s pet. Pet sitter insurance from PCI includes the right coverages to keep pets safe and protect your business.
General Liability Insurance: Covers bodily injury and property damage to others, harm caused by your products and services, advertising mistakes, damage to spaces you rent, and others’ medical expenses
“While I was playing with Rambo the husky in my client’s living room, he left a deep scratch on their hardwood flooring. They expect me to pay for a $5,000 replacement.”
“My client’s cat, Spooky, snuck around me as I let out their dogs during a drop-in visit. I searched the neighborhood but couldn’t find him.”
Veterinarian Reimbursement: Repayment for vet bills when an animal in your care needs emergency treatment
“Cooper and Luna fought during feeding time, leaving Cooper with a limp and Luna with a deep cut on her ear. I took them both to the vet right away.”
Lost Key Liability Coverage: Reimbursement for rekeying a client’s home if you lose the keys
“The client’s storm door blew shut and locked behind me as I let Daisy out for a bathroom break. I had to call a locksmith to get back into the house.”
Who Needs Pet Sitting Insurance?
Pet sitters insurance is for you if you take care of someone else’s animals in a location you don’t own. We recommend it if you pet sit, house sit, or do drop-in visits. Coverage gives you peace of mind that you’re protected against pricey claims or lawsuits.
How Does Pet Sitter Insurance Protect Me if a Pet Gets Hurt?
PCI is the best pet sitter insurance to have when you’re in the worst situation — an animal getting hurt on your watch. We know you care for clients’ pets like family, but accidents can happen to anyone with unpredictable animals in the mix. Pet sitter business insurance protects you from two key angles:
- Pet Protection covers lawsuits and claims against you if an animal is hurt or dies while in your care.
- Veterinarian Reimbursement pays you back for emergency vet bills if an animal is hurt while you’re on the job and needs immediate medical care.
How Much Does Pet Sitter Insurance Cost?
Insurance for pet sitters costs as little as $22.92/month or $254/year at PCI. Your standard policy is designed to cover all the essentials, but what makes your business different is also what makes you shine — and that deserves protection, too.
These add-on coverages let you customize your policy or expand your coverage 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
Coverage Details
Click on the info icons to learn more about each coverage in your pet sitters 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 the Best Pet Sitter Insurance Comes from PCI
Business insurance companies that don’t specialize in pet care often skip coverages essential for sitters. PCI covers the risks that gnaw at your peace of mind to get you back to loving your job.
These are real scenarios pet sitters face and coverages we include in every pet sitter insurance policy to keep you protected:
You can get our affordable insurance for pet sitting risks online and update it anytime. With support from our top-rated carrier and friendly, licensed customer service agents, PCI gives you confidence from cart to claim.
Hear From Our Favorite Humans
Pet Sitter Insurance FAQs
Does Rover Cover Me for Pet Sitting?
No, Rover doesn’t offer insurance to their contractors. Buying your own pet sitter business insurance keeps you and the pets you care for safe when the unpredictable happens. Check out our Insurance for Rover Pet Sitters to explore the differences between the Rover Guarantee and pet sitters insurance.
Do I Need Insurance to Be a Pet Sitter?
Yes! Insurance for pet sitters is essential to get pets the care they need and to shield your business from bills and claims if an accident happens. Some clients and employers require you to carry dog sitter insurance or cat sitter insurance to watch animals, so getting insured can open up new opportunities.
Should a Pet Sitter Be Bonded and Insured?
You may see “bonded insured pet sitter” in the requirements for pet sitting jobs. Dishonesty bonding aims to give clients peace of mind and protect pet businesses. If your employee steals from a client, a bond is designed to pay the client back. We offer a similar protection called employee dishonesty coverage that’s more affordable with less strings attached for you.
What Are the Risks of Being a Professional Pet Sitter?
Even a loving and professional pet sitter can’t always prevent an accident. Lawsuit expenses like court costs, lawyer fees, settlements, and damages can sink your business if you don’t have pet sitting business 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?
The general liability coverage in your pet sitter insurance could pay for repairs if part of the client’s home (like the walls or fixtures) gets damaged. To cover damaged belongings (for example, a cat rips their owner’s couch or you accidentally stain their antique rug), we suggest adding Broadened Property Damage to your policy now and thanking yourself later.
Is My Family Covered If They Pet Sit for Me?
Your PCI pet sitter insurance could protect family members who help you with pet sitting gigs – if they meet some conditions. The policy will cover your spouse and kids under 18 years old, as long as they are carrying out pet business operations. Check out our main FAQ page to learn more.
How Do I Get Pet Sitter Business Insurance?
Applying for pet sitting insurance online is quick and easy:
- Go to our online application.
- Choose the coverages that you want.
- Tell us a little about your business.
- Get your instant quote.
- Enter your payment info.
And voila, you’re covered and back to chin scratches and tummy rubs in minutes.
Important note: Vet Reimbursement and Pet Protection have a seven-day waiting period before they’re active, so it’s crucial to get covered now for peace of mind later.
See Who Else We Cover
Expanding your service menu? We also cover these pet pros and more:
