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4 Reasons Pet Businesses Need Insurance

owner looking worried at the bill at vet

From pet sitters and pet trainers to dog walkers and pet groomers, every pet service business has a certain amount of liability and risk. If you provide services for pets, you could potentially face lawsuits resulting from theft, injuries, negligence, and other situations.

However, here are four ways the savvy pet service provider can reduce the risk to their business by purchasing insurance from Pet Care Insurance (PCI).

1. Pet Injury or Death

As someone who makes a living caring for pets, one of the biggest reasons you need insurance is to protect yourself in the event something happens to a pet in your care, custody, or control.

For example, having the proper insurance coverages could protect you if a pet in your care were injured, or even died, while you were playing a fetch or on a walk. Similarly, if the pet needed to go to the vet because it ate something dangerous while you were responsible for it, selecting the right coverage can help pay for the pet’s medical expenses.

puppy chewing on first aid kit

2. Dishonest Employees

If you’ve hired someone to assist you in your pet care business, pet care insurance can help protect your business from financial risk if that employee steals something from a client.

In addition to thefts by a traditional employee, you could also be held liable for other service providers you partner with. For example, as a pet sitter, you might bring a groomer to a client’s home and while there, that groomer steals the client’s laptop. If you have a quality pet care insurance policy, you could be protected.

3. Client’s Keys

Who hasn’t lost their own keys before? What would happen if you were to lose the keys to a client’s home? You could be responsible for the cost to either re-key the house or to pay for new locks.

Either way, paying for a locksmith is an expensive job that you might not have the money for. But if you’ve taken the time to purchase a pet care insurance policy, you could have a lot less to worry about.

4. Liability for Another Person

Did you know that even though you are a pet care professional, you could still be held responsible for some human injuries?

Let’s say you’re a pet sitter; if someone brought you a pet to tend and that person experienced a slip-and-fall that resulted in injuries while on property you rent or own, they could potentially bring a lawsuit against you.

However, if you’ve purchased pet care insurance with the right coverages, the part of the claim you’re responsible for may be reduced.

Get Incredible Coverage at an Affordable Price

These are just a few of the risks that a PCI policy can help protect you and your business from. If you’re the owner of a pet care business make sure you visit PCI’s website to learn more about an insurance plan that is customized to you and your specific business needs.

Annual Pet Insurance Policy

This policy is for professionals who work in the pet care industry.

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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