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Do I Need Pet Sitting Insurance


So, you’ve started a pet sitting business. It’s new, exciting, and you get to do something you love for a living. But, like most things in life, running your own business isn’t easy. A strategic plan that includes accounting, marketing, business licensing, and protecting yourself and your business from risk are crucial to your success. One of the best ways to reduce the risk to your business is to include pet sitting insurance in your business plan.

Protecting Your Pet Sitting Business from Lawsuits

Without the proper protection, lawsuits pose a huge risk for pet sitters. No matter how careful you are in choosing clients, planning your business, and taking care of pets, you may still have legal action taken against you. Even if you win your case, attorney fees to defend yourself are expensive.

According to the American Bar Association (ABA), the average attorney charges between $343–$727 per hour. If your business were named in a lawsuit, your attorney fees could cost you $10,000 or more. Is this a cost you could afford to pay out of pocket? Pet sitting insurance can protect your business from the financial blow from attorney fees for covered claims.

But what could possibly go so wrong in my pet sitting business that would require an attorney, you ask? Take a look at some of PCI’s most common claims:

  • Third party property damage claims
  • Third party bodily injuries claims
  • Losing a client’s keys
  • Employee theft and other employee dishonesty

Here’s a claim example where a pet sitter’s business plan included pet sitting insurance and saved their business money:

pet sitter petting cat

A PCI client stayed with a pet later than usual one evening. When the pet owners contacted her, they told her to lock up their home and they would return shortly. Because this was a regular client, she was told to just keep the keys and return them later. She lost the keys and a locksmith was called to rekey the entire home.

  • Cost to rekey home: $1,240
  • PCI covered: $1,240
  • Cost to pet sitter: $0

Pet Sitter Insurance Protects Pets

You wouldn’t have become a pet sitter if you didn’t love animals. Providing for the pets you love also means having a plan if something goes wrong. Heaven forbid your furry clients get injured. But if they do, pet sitting insurance can offer you and your clients financial peace of mind.

PCI has been able to help pet sitters pay for veterinary expenses due to a variety of situations. We’ve seen cats swallow string, dogs eat chocolate, dog bites in the park, and dogs that were stepped on. Many of the claims were filed because of the actions of an experienced pet sitter or dog walker who were well-intentioned, but found themselves in a tough situation.

Take this claim for example:

A PCI pet sitter was watching two dogs—Jake and Rooster. During the appointment, Jake sustained an injury to his tail. Although the pet sitter didn’t see it happen, the injury most likely came from Rooster biting Jake. At first, it didn’t seem like there was a serious injury, but after the pet sitting appointment, the pet owner took Jake to the vet. Jake had surgery and several follow up visits.

PCI claim details:

  • Veterinarian bill: $1,735.92
  • Pet sitter deductible: $500.00
  • PCI covered: $1,235.92
dogs fighting

While pet sitting insurance helps protect you from large financial claims, many of our clients have found that it provides additional benefits.



Pet Sitting Insurance Gives You Credibility

In a recent customer survey, nearly 40% of PCI customers responded that they felt having a current pet sitting insurance policy gave them more credibility. Others said that it was the professional and responsible thing to do.

Also among the reasons people purchased a pet sitting insurance policy:

  • “My state required me to have it”
  • “Protection for the pets in my care”
  • “Homeowners (clients) wanted it”

Additionally, nearly 30% of PCI customers said that they first purchased a policy because they thought it would help them market to new clients. This makes pet sitting insurance a crucial part of your businesses marketing plan.

Maybe you’re convinced. You know insurance is a smart business move and you understand that the short answer to the question, “do I need pet sitting insurance?” is yes. But does it really matter what company you get your coverage through? Yes, yes it does.


Choose Pet Care Insurance

PCI was founded on the idea that insurance, as it has traditionally been done, is cumbersome. We took the traditional insurance purchasing process, grabbed our dog poop bag, picked up the hassle of purchasing, and threw it in the dumpster. With PCI you get a straightforward policy that you can purchase 100% online starting at $229/year.

A policy with PCI means you won’t be paying for extras you don’t need. As a pet sitter, you get coverage for pet sitting, dog walking, and basic grooming. You don’t have to pay for advanced grooming, house sitting, or training endorsements if you don’t provide those services. Of course, this policy is customizable to your needs, so if you do offer advanced services, we have other coverage options available for an additional premium.

For example, many of our clients want a bond. Usually, a bond is meant to protect their business from dishonest employees. However, we protect our clients without a bond through something called “employee dishonesty coverage.” Most clients find this meets their needs better than bonds offered by other companies. Here are some key differences between a bond and employees dishonesty coverage:

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 Clause.” Often bonds won’t pay on claims unless there is a conviction
  • Many require you to reimburse the bonding company after a claim is paid

Pet Sitting Insurance Highlights

At PCI we’ve built a policy that gives you an amazing bang for your buck. Check out these coverage limits:

Coverages & Limits

General Liability Coverage $1,000,000
Each Occurrence
Aggregate Limit
Products-Completed Operations Aggregate Limit $2,000,000  
Personal and Advertising Injury Limit $1,000,000  
Each Occurrence Limit $1,000,000  
Damage to Premises Rented to You Limit $100,000 Any One Premises
Medical Expense Limit $5,000 Any One Person
Animal Bailee – Animals in Your Care, Custody, or Control $2,500
Each Occurrence
Aggregate Limit
Veterinarian Expense Reimbursement (Regardless of Fault) $1,000
Each Occurrence
Aggregate Limit
Lost Key Liability Coverage $2,000
Each Occurrence
Aggregate Limit

Buy a Policy Today!

That’s right. If you’re ready to buy a pet sitting insurance policy, you can do it today. In fact, you can do it right now. Our quote-to-certificate process is handled completely online. Most of our clients find that they can complete their purchase in 10 minutes or less.

The second you’ve completed checkout, you can login to your customer dashboard and access all of your documents. So, what are you waiting for? Buy your pet sitting insurance policy today starting at $229/year.

†All insurance policies have conditions, limitations and exclusions. Please refer to the policy for exact coverages.




Annual Pet Sitter Insurance Policy

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

Starting at:


or $19.08/month

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Set a reminder to come back at a more convenient date.

Contact Info

7:00am – 5:00pm MT | Mon – Fri

Call: 844-520-6990


Terms and Conditons

  • 1) No Purchase Necessary:

    No purchase is necessary to enter or win the contest. Purchasing will not increase your chances of winning the contest.

  • 2) Eligibility:

    The contest is open to legal United States residents who are 18 years of age or older at the time of entry. The contest is only open to those who follow the instructions and enter their name and email address on the website landing page Employees of Pet Care Insurance, their respective affiliates, contractors, subsidiaries, advertising and promotion agencies and partners, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the contest. The contest is subject to all applicable federal, state and local laws and regulations. Void where prohibited.

  • 3) Agreement To Rules:

    By participating, you agree to be fully unconditionally bound by these rules, and you represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of Pet Care Insurance (PCI), as final and binding as it relates to the content. The contest is subject to all applicable federal, state and local laws.

  • 4) Contest Period:

    Entries will be accepted online starting on or about November 23, 2018 and ending 10:30 AM MST on December 3, 2018. All online entries must be received by December 3, 2018 10:30 AM MST. There will be one winner.

  • 5) How To Enter:

    To enter the contest, one must enter their first name, last name, and email address into the contact form located exclusively on You may enter only once. You may not enter more times than indicated by using multiple email addresses, identities, or devices in an attempt to circumvent the rules. If you use fraudulent methods or otherwise attempt to circumvent the rules, your submission may be removed from eligibility at the sole discretion of Pet Care Insurance (PCI). All disputes will be resolved at the sole discretion of Pet Care Insurance (PCI). In the event the entry collection mechanism suffers a technical failure, Sponsor may elect to randomly select another email subscriber to designate the winner of this giveaway. [Note: If you would like to remove yourself from consideration for this giveaway, please email Pet Care Insurance (PCI) at with the subject line “Opt-Out – Attn: Ryan Muir”]

  • 6) Prize:

    here will be 1 (one) winner who will receive 1 (one) Amazon Gift Card. The Approximate retail price of the Amazon Gift Card is = $100 USD. At the discretion of PCI, the gift card may be delivered either electronically or by means of free standard shipping to the United States.PCI reserves the right to substitute an item of equal or greater value if any items listed above are out of stock or otherwise unavailable. Actual/appraised value may differ at the time of prize award. The specifics of the prize shall be solely determined by the Sponsor. No cash or other prize substitution permitted except at Sponsor’s discretion. The prize is non-transferable. Any and all prize related expenses, including without limitation any and all federal, state, and/or local taxes shall be the sole responsibility of the winner. No substitution of a prize or transfer/assignment of a prize to others or request for the cash equivalent by winners is permitted. Acceptance of prize constitutes permission for PCI to use winner’s name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.

  • 7) Odds:

    The odds of winning depend on the number of eligible entries received. One entry per person/email address.

  • 8) Winner Selection And Notification:

    Winners of the contest will be selected based on content quality under the supervision of the Sponsor. Winner will be notified via message to the email address that they used or phone number they submitted to enter the contest within five (5) days following the winner selection. PCI shall have no liability for a winner’s failure to receive notices due to winners’ spam, junk e-mail or other security settings or for winners’ provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is ineligible, fails to claim the prize within 15 days of the time award notification was sent, or fails to timely return a completed and executed declaration and releases as required, the prize may be forfeited and an alternate winner selected.

    The receipt by winner of the prize offered in this contest is conditioned upon compliance with any and all federal and state laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY ANY WINNER (AT SPONSOR’S SOLE DISCRETION) WILL RESULT IN SUCH WINNER’S DISQUALIFICATION AS WINNER OF THE CONTEST AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.

  • 9) Rights Granted By You:

    By entering this contest you understand that Pet Care Insurance, anyone acting on behalf of Pet Care Insurance, or its respective licensees, successors and assigns will have the right, where permitted by law, without any further notice, review, or consent to print, publish, broadcast, distribute, and use, worldwide in any media now known or hereafter in perpetuity and throughout the World, your entry, including, without limitation, the entry and winner’s name, portrait, picture, voice, likeness, image or statements about the contest, and biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation.

  • 10) Terms:

    Pet Care Insurance reserves the right, in its sole discretion to cancel, terminate, modify, or suspend the contest should (in its sole discretion) a virus, bugs, non-authorized human intervention, fraud or other causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the contest. In such case, Pet Care Insurance may select the recipients from all eligible entries received prior to and/or after (if appropriate) the action taken by Pet Care Insurance. Pet Care Insurance reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the contest or website or violates these Terms & Conditions.

    Pet Care Insurance has the right, in its sole discretion, to maintain the integrity of the contest, to void votes for any reason, including, but not limited to; multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by contest rules; or the use of bots, macros or scripts or other technical means for entering. Any attempt by an entrant to deliberately damage any web site or undermine the legitimate operation of the contest may be a violation of criminal and civil laws and should such an attempt be made, Pet Care Insurance reserves the right to seek damages from any such person to the fullest extent permitted by law.

By entering the contest you agree to receive emails periodically from Pet Care Insurance and to receive a phone call from Pet Care Insurance. You can opt-out of receiving this communication at any time by clicking the unsubscribe link in the email.

  • 1) Limitation Of Liability:

    By entering you agree to release and hold harmless Pet Care Insurance and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers and directors from any liability, illness, injury, death, loss, litigation, claim or damage that may occur, directly or indirectly, whether caused by negligence or not, from (i) such entrant’s participation in the contest and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof, (ii) technical failures of any kind, including but not limited to the malfunctioning of any computer, cable, network, hardware or software; (iii) the unavailability or inaccessibility of any transmissions or telephone or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) electronic or human error which may occur in the administration of the Promotion or the processing of entries.

  • 2) Disputes:

    THIS CONTEST IS GOVERNED BY THE LAWS OF The United States of America AND California, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this contest, participant agrees that any and all disputes which cannot be resolved between the parties, and causes of action arising out of or connected with this contest, shall be resolved individually, without resort to any form of class action, exclusively before a court located in Utah County, Utah, USA having jurisdiction. Further, in any such dispute, under no circumstances will participant be permitted to obtain awards for, and hereby waives all rights to claim punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this contest), and participant further waives all rights to have damages multiplied or increased.

  • 3) Privacy Policy.

    Information submitted with an entry is subject to the privacy policy stated on the Pet Care Insurance website.

  • 4) Winners List:

    To obtain a copy of the winner’s name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to:

    Pet Care Insurance

    c/o: Marketing Department

    260 South 2500 West Suite #303

    Pleasant Grove, UT 84062

    Requests must be received no later than December 3, 2019.

  • 5) Sponsor:

    The Sponsor of the contest is:

    Pet Care Insurance

    260 South 2500 West Suite #303

    Pleasant Grove, UT 84062

  • 6)

    This promotion is in no way sponsored, endorsed, or administered by, or associated with, Facebook, Twitter, or any other Social Network. You are providing your information to PCI and not to any other party.

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