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Broadened Property Damage Coverage

Coverage in the event you are legally liable for damages to a client’s property that occur while contracted services are being performed (such as items in a house while you are pet sitting overnight). Whether you call it broadened property damage or broad form property damage, both terms refer to this same coverage.

Benefits Of Broadened Property Damage Coverage From PCI

Your main concern is the pets in your care, not gaps in your coverage. That’s why PCI makes it easy to get peace of mind when caring for animals in clients’ homes. Our broad form property damage insurance is an additional coverage you can add to your policy in just a few clicks!

What’s Covered By Broadened Property Damage Coverage?

$3 A Month Can Equal Thousands In Savings

Accidents can cost you, but with PCI they don’t have to. Broadened property damage insurance can cover you for damages that occur while caring for someone’s pet — that way you can stay focused on what you do best.

Cat knocked over items 
- $977.33 Carpets replaced after cat tore them up
- $1,707.66 Toilet clogged causing water damage - 
$2,238 Dog chewed on baseboards
- $2,888.11
 Dog tore up owners couch - $3,423.97

Broadened Property Damage FAQs

What is broadened property damage?

dog sitter in home feeding dog
woman with yawning dog on the couch at clients home

Do I need broadened property damage coverage?

How much does it cost to add to my plan?

Is broadened property damage included in my PCI policy?

screenshot of dashboard

How do I add broadened property to an existing plan?

Broad Form Property Damage Coverage

Our broad form property damage coverage is available for pet care professionals, such as pet sitters, dog walkers, and mobile groomers, and more. If you are caring for pets on someone else’s property, you can benefit from the protection of this coverage.

Coverage Details & Limits

Limits of Insurance

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$1,000,000
$2,000,000

Each Occurrence
Aggregate Limit

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.

 $2,000,000

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libel a person or organization
  • Oral or written publication or material that violates a person’s right of privacy
  • The use of another’s advertising idea in your advertisement

 $1,000,000

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

 $1,000,000

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

 $100,000

Any One Premises

A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.

$5,000

Any One Person

This 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.

$2,500
$5,000

Each Occurrence
Aggregate Limit

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

$1,000
$2,500
$250

Each Occurrence
Aggregate Limit
Deductible

$10,000
$25,000

Each Occurrence
Aggregate Limit

If you were to lose the keys to a client’s residence, this coverage could help you manage the cost of installing new locks or having the building rekeyed.

$2,000
$2,000

Each Occurrence
Aggregate Limit

* Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions.

See What Else We Cover

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