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Animal Bailee Insurance Coverage

Coverage in the event you are legally liable for injuries or damages sustained by an animal in your care, custody, or control.

56% of claims were not covered by GL but were covered by Pet Protection (Animal Bailee) Coverage.

*These percentages are based on PCI claims data from 2021 through 2022.

Benefits of Animal Bailee Coverage from PCI

With PCI, you can feel confident in the protection our policies offer. Animal bailee insurance coverage is automatically included in every policy, with optional higher limits available for businesses that need it. PCI makes it easy to customize your pet care insurance online—at any time, in any place, on any device. Animal Bailee insurance coverage benefits include:

  • No Deductible
  • Easily upgrade policy with higher limits
  • Extends policy coverages to injuries, damages, or death of animals in your care

Coverage Details & Limits

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.


Each Occurrence
Aggregate Limit

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.


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

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

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.


Each Occurrence
Aggregate Limit

This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.


Each Occurrence
Aggregate Limit

This coverage is designed to protect and pay for equipment or supplies that suffer damage or theft. This includes dryers, clippers, kennels, food, leashes, shampoos and more.

Up to $10,000
Up to $50,000

Limit per Incident
Limit per Year

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.


Each Occurrence
Aggregate Limit

* 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.

Animal Bailee Coverage

Start your policy today with PCI, where we include essential coverage like Animal Bailee Insurance.

Animal Bailee Insurance FAQ

Bailee coverage is additional protection for your business in the event of injury, death, or damages caused by an animal in your care, custody, or control. Coverage for animal bailee starts at $2,500 per occurrence, up to $5,000 for the policy year. You can even select higher limits to better suit your business practices.

Yes, it is so important for running your pet care business that we include it in all base policies. We include a $2,500 per occurrence / $5,000 per policy term coverage on each policy. There are higher limits available—which we suggest purchasing if your business practices include dog walking in public spaces, professional grooming services, and pet training.

Consider the surroundings, possible risks, and amount of furry clients you are caring for when you select the limit that best fits your business.

Our base coverage is free and included in every policy.

For higher limits, those are as follows:

  • $10,000 per Occurrence / $20,000 per Policy Year (+$19.00/ annually)
  • $15,000 per Occurrence / $30,000 per Policy Year (+$29.00/ annually)

We believe in making coverage affordable, so you can feel confident opting into the right amount of animal bailee coverage your business needs.

Animal bailee insurance is included with each general liability policy we sell. If you already have a policy with PCI, you can increase your limits easily through your online portal.

All pet professional policies should carry animal bailee insurance coverage! This is why we include standard coverage on every policy. From groomers to pooper scoopers, every pet care business deserves to be protected from claims.

If you need to increase your bailee insurance limits on a current PCI policy, simply follow the steps below.

  1. Login to
  2. Under the “Manage Policies” box, select “Change Policy Options”
  3. Scroll down to Animal Bailee, click it to unfold your options
  4. Select the level of coverage you need and then “Purchase Selected Options”

It is easy to update and add coverage at any time to your general liability policy for pet professionals. Please give us a call if you have questions about adding additional coverage to your policy.

See What Else We Cover

Comparing Employee Dishonesty Coverage & Bonding

PCI’s employee dishonesty coverage is similar to a bond, but there may be some key differences to consider.

Employee dishonesty coverage:

  • Can be purchased in the same transaction
  • Doesn’t run credit checks
  • Provides $10,000 per occurrence and $25,000 aggregate coverage

Bonds may differ from our dishonesty coverage by:

  • Checking your credit during the application process
  • Having a “Conviction Claus;” Often bonds won’t pay on claims unless there is a conviction
  • Many require you to reimbursement the bonding company after a claim is paid