Pet sitting is a fun job for many because you can connect with animals and do what you love. When you take the time to build your business and clientele for something you enjoy so much, you also want to make an effort to protect it. That’s why obtaining pet sitting insurance is so important. Today, we are going to walk you through common pet sitting insurance questions from PCI to help clarify why you need it.
Here we go!
What kind of risks do I face as a pet sitter?
Pet sitting insurance can come in handy in so many ways. The biggest reason many business owners obtain coverage is to protect themselves from risks. Here are a few claims our insureds have faced:
Claim #1: Playtime gone wrong
Dogs have so much fun playing with toys! One furry friend got a little carried away and accidentally swallowed the toy. That pet sitting visit took a turn for the worst really fast
Claim #2: Property mishap
One pet sitter was held liable for damage that a client’s dog caused while in their care. As a pet sitter you want to be vigilant of the dogs you watch; you don’t want them to get bored and damage something.
Claim #3: A dog park incident
Like people, dogs have different personalities--some may be social and others may be a little timid. Sometimes a dog can get over defensive and that can lead to injuring another doggo..
Does the policy cover me or my employees if we get bit?
No, PCI’s policy is designed to protect the business. The policy does not insure the business owner or business employees. Workers compensation is a type of business insurance coverage that can respond to work-related injuries. If you would like to cover this type of risk, visit our partner, Insurance Canopy to fill out an application.
If my employee only works for me for a short period of time, can I replace their name with someone else’s without having to pay again?
When you are running a business, there are a lot of things to manage and hiring the right employees is part of it. In some cases, it doesn’t work out and an employee quits. You can’t replace your former employee’s name with someone else’s without having to pay again. Even if your former employee worked for one day, there’s a chance that someone may file a claim and they will need to be included in your policy.
Why is the application asking me about landscaping operations?
Clients may ask you to water their plants while they are away. This task is easy and covered in the policy. When you are filling out the application, we ask about landscaping operations because we want to make sure you are not providing lawn care services.
Anything from lawn mowing to trimming hedges is not covered with PCI. If you are interested in including this type of service, you would need to obtain a lawn care insurance policy. Our partner, Insurance Canopy offers coverage you can buy online.
Is there anything else I should know about PCI before I sign up?
Pet Care Insurance insures thousands of pet professionals and is backed by reputable “A-rated” carriers. Plus, we offer monthly payment options! Whether your business is big or small, we are here to grow with you. You can add endorsements, employees, and file a claim through your personalized online dashboard.
We make it easy for you to manage your pet sitting insurance policy on your time. If you have any questions or concerns, you can get in touch with one of our licensed insurance agents.
We hope that answering these questions was beneficial and that you will consider pet sitting insurance from us. PCI insures a variety of pet professionals and understands the coverages your business needs.
Learn more about pet sitting insurance