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The Ultimate Guide to Pet Care Insurance

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If you’re in the pet care industry, you most likely have a love for animals and taking care of them. There are so many professions to choose from—pet groomers, dog walkers, pet sitters, pet boarders, and more.

Being your own boss and owning a pet care business is great for your schedule and fun because you love what you’re doing. However, there are a few risks to be aware of, so we’re here to help you understand what you need in an insurance policy so you can protect your business and its assets. At Pet Care Insurance, we want you to feel confident in your coverage.

Why Do I Need Pet Care Insurance?

As a trained professional, you know what you’re doing, but accidents can still happen. No matter how careful you are, there is always the possibility of something going wrong. If an accident were to occur either to the animal in your care or to personal property, you can be held liable for any expenses. This means that you could end up paying thousands of dollars out of your own pocket either for a vet visit or to fix any property damage. For this reason, you’ll want to make sure that you have the correct coverage in place. With Pet Care Insurance, you can have a financial safety net in place in the event of an accident.

How Much Does Pet Care Liability Insurance Cost?

Pet Care Insurance offers a professional and general liability policy for $139 per year. You can add additional endorsements to your base policy if you need additional coverage. For example, PCI offers employee dishonesty coverage, animal bailee, and more, ranging from $19–$59. You can also add additional insureds to your policy for $25 per employee or $50 per contractor.

What Does Pet Care Insurance Cover?

Pet Care Insurance provides a wide selection of coverage options to protect your business. Here we explain exactly what we cover and what that means for you.

General Liability

Aggregate Limit: $2M

With a Pet Care Insurance policy, general liability can protect your business from paying for third-party bodily injury and property damage claims. Common claims include trip and fall accidents and accidental damage done to a place of business or personal property.

Products & Completed Operations Liability

Aggregate Limit: $2M

If you sell any pet-related products to your clients, this is where this part of the policy comes into play. The aggregate limit is the maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.

Personal and Advertising Injury

Aggregate Limit: $1M

Personal injury includes malicious prosecution, wrongful eviction, slander, libel, and invasion of privacy. Advertising injury insures offenses in connection with advertising of goods or services as well as libel, slander, invasion of privacy, and copyright infringement. For example, if someone steals your advertising or marketing campaign, this can be covered with this part of the policy.

Damage to Premises Rented To You

Aggregate Limit: $300,000

If you run your business out of a rented space, like a grooming space in a strip mall, you need insurance that protects you from paying for damages you might cause to that rented space.

Veterinarian Expense Reimbursement

Aggregate Limit: $2,500

This part of the policy provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.

Lost Key Liability

Aggregate Limit: $2,000

If you misplace or damage a client’s residential key, you would be responsible for replacing the key or any new locks that would need to be installed, or having the building rekeyed. Luckily, PCI covers this incident for $2,000 for each occurrence.

Additional Coverages

If you need additional coverage, you can add onto your base policy. Pet Care Insurance is proud to offer additional coverage options that allow you to personalize your protection.

Cyber Liability Insurance

Aggregate Limit: $100,000

If you collect or store customer information—names, addresses, even payment information—and that information is stolen or compromised, your business could be held liable. Cyber liability insurance can protect you from paying hefty fees, judgments, legal cost, fines, and processor fees that you become legally liable to pay. Cyber liability insurance is available for an additional $79 per year.

Animal Bailee


Animal bailee coverage provides your pet business with coverage in the event that you are legally liable for injuries or damages sustained by an animal in your care, custody, or control.

Employee Dishonesty Coverage


The employee dishonesty coverage will pay for loss of or damage to money, securities, and other property sustained by your client resulting directly from theft committed by an identified employee.

Broadened Property Damage Coverage


This broadened coverage is for property damage to clients’ personal property in your care while performing your pet business operations.

What Should I Expect When Filling Out an Application?

Filling out an online application is easy and takes less than 10 minutes. You’ll need to fill out some basic information and business information, so PCI can get you the coverage you need. Here’s a condensed list of what you’ll need to provide:

  • Your personal information—email and mailing addresses, etc.
  • Your business information—business type, name, activities, etc.
  • Your business’ gross sales and other business-related questions
  • Which endorsements you would like to add on to your policy
  • Claims history—any claims you’ve needed to file in the past
  • Additional insureds that you need to add and their information
  • Payment information

If you need help filling out an application or have any questions about it, feel free to contact one of our licensed insurance agents.

How Do I File a Pet Care Insurance Claim?

Even though we hope an incident doesn’t occur, it is important to know how to file a claim in case it does. Pet Care Insurance’s online user portal makes it easy for you to file a claim online in just a couple of minutes by following these steps:

  1. Log in to your dashboard
  2. Locate the “Manage Policies” section
  3. Click on “File A Claim” and fill out the correct information
  4. Submit the claim

After submitting a claim, you will be contacted in 24–48 hours by your claims adjuster who will help you move forward with the rest of the claims process.

Do What You Love With Confidence

We hope that this Pet Care Insurance guide has been helpful in understanding what is included in a PCI policy and what coverage you need for your business. Purchase a policy today so you can work with peace of mind and a financial safety net in place. We wish you the best of luck with all of your pet care business endeavors!

To learn more about PCI, take a look at our website here.

Annual Pet Insurance Policy

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

Starting at:


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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