What's Covered

Pet Care Insurance is conveniently designed to cover sitting, walking, grooming, training, and more all in one plan! Purchase your PCI policy today for peace of mind knowing your pet care business is insured.

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.

Limit per Incident: $1,000,000

Limit per Year: $2,000,000

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.

Any One Premises: $100,000

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.

Any One Person: $5,000

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.

Limit per Incident: $5,000

Limit per Year: $10,000

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

Limit per Incident: $1,000

Limit per Year: $5,000

Deductible: $250

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.

Limit per Incident: $2,000

Limit per Year: $2,000

This coverage is designed to protect and pay for equipment or supplies that suffer damage or theft. This includes dryers, clippers, kennels, food, leashes, shampoos and more.

Limit per Incident: Up to $10,000

Limit per Year: Up to $50,000

Deductible: $250

Coverages to Fit Your Circumstances

General Liability

General Liability coverage will help 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.

$1,000,000 per occurrence

$2,000,000 aggregate limit

No deductible

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.

$5,000 per occurrence

$10,000 aggregate

No deductible

Vet Bill Reimbursement

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 per occurrence

$5,000 aggregate

$250 deductible

Claim Example: Before you arrive to take a client’s dog for a walk, she eats something that makes her sick. Later, during a walk in the park, she starts vomiting and you take her to the vet where she is treated and her medical bills cost you $700. you would pay the the Vet $700, file your claim with PCI and the policy will reimburse you minus the applicable deductible.

Lost Key Liability Coverage

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 per occurrence

$2,000 aggregate

No deductible

Equipment & Inventory (Optional)

Also known as Inland Marine Insurance, Equipment and Inventory coverage is designed to protect and pay for equipment, inventory, or supplies that suffer damage or theft. This includes but is not limited to dryers, clippers, kennels, food, leashes, shampoos, etc. 

Choose the right limit for your business’ investment in tools and supplies: 

$2,000 per incident / $4,000 per year 

$5,000 per incident / $10,000 per year

$10,000 per incident / $50,000 per year

A $250 deductible applies per occurrence.