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Pet Care Insurance: Everything You Need to Know

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Pet Care Insurance provides the best pet insurance in the industry. As a trained professional, we know that you do your best to keep your clients safe. However, you face risks everyday and you should make sure you have the correct coverage so you can do it with peace of mind. We’ll talk about pet insurance plans, pet insurance costs, and additional coverages that you can add to your base policy.

Pet Care Liability Insurance

Pet Care Insurance provides coverage for pet care professionals, including pet sitters, pet groomers, dog walkers, pet boarders, pet trainers, pooper scoopers, and more. Your coverage will differ based on your pet profession, but whatever profession you choose, PCI is ideal for any small business within the pet industry.

General Liability Insurance

General liability insurance helps you with the cost of claims that you become legally responsible for due to injury or damages sustained by a third party during the course of your business operations. For example, if you injure a dog while you are grooming it and cause damage, you will be held liable for any medical bills.

Included in this coverage is:

  • $1,000,000 per occurrence: the amount that will be covered for each payable claim
  • $2,000,000 aggregate limit: the total limit that will be paid out for all claims payable during the policy period
  • No deductible

Pet Protection aka Animal Bailee & Veterinary Expense Reimbursement

The Animal Bailee and Veterinary Expense Reimbursement work hand in hand. If the claim filed involves an injury, accident, or sickness to one of the animals in your care, control, or custody, then the Vet Reimbursement will be the first coverage to respond. This means you will be insured up to $1,000 for the incident and there will be a $250 deductible.

If the cost of the claim exceeds the $1,000 per occurrence limit, then the Bailee coverage will then take effect. This would insure you up to $5,000 more for the incident, unless you’ve already paid to increase this limit to either the $10,000 or $15,000 per occurrence.

Whatever ends up getting paid out for the incident will be deducted from the aggregate limits on both of these coverages.

Lost Key Liability Coverage

If you accidentally lose the keys to one of your client’s residences, the lost key liability coverage could help you manage the cost of installing new locks or having the building rekeyed.

Included in this coverage is:

  • $2,000 per occurrence
  • $2,000 aggregate
  • No deductible

How Much Does PCI Cost?

The pet insurance cost differs based on which profession you specify when filling out the application. A general liability insurance policy is available from PCI for just $139 per year. If you would like to add on additional coverage, or endorsements, you can do so while filling out the application.

Additional PCI Coverage

If you don’t see something in the basic coverage that you would like added to your policy, PCI offers different endorsements for each policy. For example, if you are a pet sitter that also performs haircuts or nail trimming for clients or training services beyond sit and stay commands, you can add these as a separate endorsement to your policy. Other endorsements will be easy to add to your policy during checkout. At checkout, you will have the option to add any of our endorsements to your policy.

Additional Insureds & Tools and Equipment Coverage

Additional insureds are simply people added to your policy as an additional insured/certificate holder, that receives protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations. Additional insureds can be added to your policy at an affordable price—just $10 for the first one, and then no additional charge for any others added after that.

Cyber Liability Insurance

Cyber liability insurance is especially helpful if you collect or store any client information—like names, contact information, and payment information. All of your business data is at risk of cyber attacks, and cyber liability insurance provides coverage in case that happens to your business. This policy can protect you from paying hefty fees, judgments, legal costs, and more that you become legally liable to pay. This is available to add onto your base policy for an additional $79.

Get Insured Today

You can fill out a simple application online in less than ten minutes. You provide your personal information, business information, business operations, and any previous claims. If you have any questions, our licensed insurance agents are happy to help. Having a pet care insurance policy will help you get more customers, build trust, and gain credibility. Put your trust in Pet Care Insurance to provide you with the best pet insurance so that you can do what you love knowing that you have coverage in place.

Free e-book

Pet Sitter & Dog Walker Business Guide

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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