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Bonded Pet Sitter vs Employee Dishonesty Coverage

Compare bonds and Pet Care Insurance’s employee dishonesty coverage.

Pet sitters use a bond to protect themselves from dishonest acts of their employees, but there are other ways this can be accomplished without a bond and that is through Employee Dishonesty insurance coverage.

Although PCI can offer an employee dishonesty bond on a stand alone policy, we also provide an employee dishonesty coverage to protect your business from the actions of a dishonest employee. So what is the difference between a employee dishonesty insurance coverage and a Employee Dishonesty Bond?

Use our handy comparison chart to find out which coverage best meets your business needs.

Pet Care Insurance Employee Dishonesty Coverage Other Bond Programs
Products-Completed Operations Aggregate Limit
Provides $10,000 per occurrence and $25,000 aggregate coverage.
Coverage may vary in details.
No Credit Check Requirement
PCI never checks your credit.
Some bond companies will check your credit prior to approval.
Purchased with Insurance
Easily purchase your dishonesty coverage at the same time as insurance.
Many times you will have to use a separate bonding company from your insurance provider.
No Reimbursement Required
PCI doesn't require reimbursement for a paid claim.
Some bonding companies may require you to reimburse them for payment of the claim.
No Conviction Clause Requirement
PCI doesn't require that a dishonest employee be convicted of the crime.
Many bond companies will not pay claims unless the dishonest employee is convicted.

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