What's Covered

Pet Care Insurance was created to help pet business owners, such as yourself, (pet sitters, dog walkers, pet groomers, and more) get the coverages you need to safeguard your finances in an unpredictable business environment.

Maintain your peace of mind and protect your business assets with a PCI policy.

Coverage to Fit Your Circumstances

Pet Care Insurance (PCI) policies are tailored to the needs of the pet care industry through “A-rated’ insurance carriers.

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

Animal Bailee Coverage

This provides your pet businesswith 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

 

 

LIMITS OF INSURANCE
General Liability Coverage

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
Products-Completed Operations 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  
Personal and Advertising Injury Limit

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  
Each Occurrence Limit

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  
Damage to Premises Rented to You Limit

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.

$300,000 Any One Premises
Medical Expense Limit

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
Animal Bailee – Animals in Your Care, Custody, or Control

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
$10,000
Each Occurrence
Aggregate Limit
Veterinarian Expense Reimbursement (Regardless of Fault)

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
$5,000
$250
Each Occurrence
Aggregate Limit
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
$2,000
Each Occurrence
Aggregate Limit

**Please note that these are brief definitions of coverage and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us at 844.520.6990.