844.520.6990

Pet Sitter Insurance 101

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Insurance is sometimes seen as shrouded in mystery, difficult for many people to understand. We want you to understand the jargon used in the industry, your policy and coverages, and alternatives to bonding. You won’t need an insurance license to understand pet sitter insurance with this handy guide.

Breaking down the Jargon:

Liability

The words “liable” and “liability” are used a lot in insurance. In short, being liable means that you are responsible for something. For example, if a dog you’re watching becomes ill because of your negligence and starts throwing up, you may be held responsible simply because you’re caring for the pet.

Claims

A claim is a request made by the insured to the insurance company to pay for a covered loss. In the example used above, filing a claim is what you would do after you have taken the sick dog to the vet so that you may be reimbursed for the expenses.

Insured

That’s you! An insured is someone who buys and is covered by an insurance policy.

Insurer

That’s the insurance company.

Limits

This is the maximum amount of money that an insurance company may pay in a policy year. There are two limits on your policy:

  • Each Occurrence Limit
    • This is the maximum amount an insurance company will pay per incident
  • Aggregate Limit
    • Maximum amount an insurance company will pay out during the length of your policy

Pet Care Insurance Pet Sitter Policy

The pet sitter insurance from PCI is designed to protect you from the most common risks that pet care professionals face on a daily basis.

General Liability Coverage

This coverage offers you protection against the cost of third-party claims that you become legally responsible for due to injuries or damages. If a dog you’re watching bites someone and causes a serious injury, you could be held liable. This type of coverage may cover legal and medical expenses resulting from the accident.

Damage to Premises Rented to You

If you’re staying overnight at a client’s house to watch their pets then you could be held responsible if something were to happen to their house, such as a fire. If the unthinkable happened and there was a serious fire damage to the house, you could be responsible for paying thousands of dollars in damage and that could bankrupt your business.

Pet sitter insurance through PCI provides up to $100,000 that may help you pay for the damages.

Animal Bailee

If you need to rush the pet you’re caring for to the vet, the bill won’t be the most welcome sight. This coverage may protect you from paying thousands in the event the pet gets injured or becomes ill. It comes with $5,000 per occurrence limit and a $10,000 aggregate limit.

Lost Key Liability Coverage

Have you ever locked yourself out of a client’s house because you lost the key? We understand that sinking feeling, especially if the key was lost in a park or public area which means someone else could have access to the house of your pet owner. You could be held liable for rekeying the entire house and that could cost you over a thousand dollars.

Our pet sitter insurance policy has you covered for lost key liability with $2,000 of coverage.

Employee Dishonesty Coverage vs Bonding

A lot of pet care businesses are getting bonded in order to instill confidence in potential customers in their business. Bonding helps clients feel safer because if something is stolen from a house then they can get money back. However, bonding has a couple key disadvantages because they:

  1. Check your credit during the application process
  2. Won’t pay on claims unless there is a conviction
  3. Require reimbursement after claim is paid

Instead of bonding we offer employee dishonesty coverage which is much easier to purchase, does not require a conviction to payout, and you never have to pay it back. Keep in mind that it doesn’t cover the owner of the company.

Wrapping Up

One of the biggest concerns when it comes to any insurance is how much it costs. It doesn’t make much sense to pay a ton for something that you’re hoping you’ll never use. Pet sitter insurance from PCI starts at $139 per year. Making it an affordable, no-brainer move to protect your business.

Learn more about our insurance

Annual Pet Insurance Policy

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

$139

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Contact Info

7:00am – 5:00pm MT | Mon – Fri

Call: 844-520-6990

Email: info@petcareins.com

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

    https://www.petcareins.com/groomer-to-groomer 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 https://www.petcareins.com/groomer-to-groomer. 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 marketing1@petcareins.com 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