Coverage Limits & Details
Explore the coverages included with Pet Care Insurance (PCI) policies in one place. Compare limits, review optional add-ons, and find protection that fits the way you care for pets.
Trusted by over 15,000 Pet-care Professionals
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Trusted by over 15,000 Pet-care Professionals
What’s Included in a Pet Care Insurance Policy?
Every insurance policy at PCI starts with the core protections any pet professional needs for the routine risks of working with pets and clients. Together, they make up your base policy, and they include:
General Liability
$2 Million Annual Policy Limit
$1 Million Per Occurrence Limit
Designed to cover costs if someone else is physically injured or their property is damaged due to your pet care. It also includes coverage for pet-on-pet injuries, advertising mistakes, fire damage to spaces your business rents, and harm caused by products you use.
Animal Liability
$200,000 Annual Policy Limit
$100,000 Per Occurrence Limit
This part of your general liability limit, called a sublimit, helps pay specifically if a pet in your care is the one that hurts someone else or damages their property.
Pet Protection (Animal Bailee)
$5,000 Annual Policy Limit
$2,500 Per Occurrence Limit
Helps you pay costs and legal claims if a client’s pet gets injured, sick, lost, or even dies while in your care, custody, or control.
Higher limits available
Veterinarian Reimbursement
$2,500 Annual Policy Limit
$1,000 Per Occurrence Limit
Can pay you back for vet bills if a client’s pet needs emergency treatment during your pet care services.
Higher limits available
$250 deductible applies
Lost Key Liability
$2,000 Annual Policy Limit
$2,000 Per Occurrence Limit
Helps cover the costs of installing new locks or rekeying the building if you lose a client’s keys.
Pet Groomers’ Professional Liability
$2 Million Annual Policy Limit
$1 Million Per Occurrence Limit
Included with groomer and mobile pet groomer policies only. Protection if someone claims your grooming advice, oversight, or mistake cost them money.
Included in your general liability limits
Optional Add-On Coverages
While your base policy covers a pet pro’s essentials, what makes your pet care special is the services, team, gear, and experience you bring that others don’t. That’s why we also offer add-on coverages to customize your policy for nose-to-tail protection. Add what you need, and leave what you don’t.
Raises limits to help cover more or higher costs related to pet injuries and accidents
Good for: Growing businesses looking after multiple pets daily
Can cover employee injuries on the job
Good for: Businesses with employees
Protection against accidents and damage while driving for work
Good for: Driving for work or transporting pets
Expands coverage for damage to clients’ personal belongings (furniture, decor, etc.)
Good for: Working in clients’ homes or on someone else’s property
Can reimburse you if equipment used for your business gets damaged or stolen
Good for: Protecting your gear, like grooming tools, crates, and business laptops
Can cover data breaches and cyber attacks that compromise clients’ information
Good for: Accepting payments, booking, or communicating with clients online
Helps protect your business financially if your employee steals from a client
Good for: Businesses with employees who work in clients’ homes; meeting contract requirements
Adding a person or business for protection under your policy if they’re named in a lawsuit due to your actions
Good for: Meeting requirements for contracts, leases, or partnerships
Helps pay for claims against your business because of an employee’s actions
Good for: Businesses that employ staff
Designed to cover contractors who work for your business
Good for: Businesses that hire independent contractors for pet care
Feeling overwhelmed? It’s totally normal for a solo pet pro to start with a base policy, then add more coverage later as their business, team, and service menu grows. When you’re ready to expand, your coverage is ready to grow with you.
Optional Add-On Coverages
While your base policy covers a pet pro’s essentials, what makes your pet care special is the services, team, gear, and experience you bring that others don’t. That’s why we also offer add-on coverages to customize your policy for nose-to-tail protection. Add what you need, and leave what you don’t.
Higher Limits for Pet Protection or Veterinarian Reimbursement
Raises limits to help cover more or higher costs related to pet injuries and accidents
Good for: Growing businesses looking after multiple pets daily
Workers Compensation Coverage
Can cover employee injuries on the job
Good for: Businesses with employees
Commercial Auto Coverage
Protection against accidents and damage while driving for work
Good for: Driving for work or transporting pets
Broadened Property Damage Coverage
Expands coverage for damage to clients’ personal belongings (furniture, decor, etc.)
Good for: Working in clients’ homes or on someone else’s property
Equipment & Inventory Coverage
Can reimburse you if equipment used for your business gets damaged or stolen
Good for: Protecting your gear, like grooming tools, crates, and business laptops
Cyber Liability Coverage
Raises limits to help cover more or higher costs related to pet injuries and accidents
Good for: Growing businesses looking after multiple pets daily
Employee Dishonesty Coverage
Helps protect your business financially if your employee steals from a client
Good for: Businesses with employees who work in clients’ homes; meeting contract requirements
Additional Insureds
Adding a person or business for protection under your policy if they’re named in a lawsuit due to your actions
Good for: Meeting requirements for contracts, leases, or partnerships
Employee Coverage
Helps pay for claims against your business because of an employee’s actions
Good for: Businesses that employ staff
Independent Contractor Coverage
Designed to cover contractors who work for your business
Good for: Businesses that hire independent contractors for pet care
Feeling overwhelmed? It’s totally normal for a solo pet pro to start with a base policy, then add more coverage later as their business, team, and service menu grows. When you’re ready to expand, your coverage is ready to grow with you.
Which PCI Policy Is Right for Your Pet Care?
We provide pet care insurance to fit the most popular pet care services. All PCI policies cover basic pet care, bathing and brushing not tied to grooming services, and teaching basic commands like sit and stay, but each is tailored to the specific risks you’ll face in that pet service.
Choose the service that best fits your pet care business to see all the details.
Pet Sitting Insurance
Drop-in visits and overnight pet care in clients’ homes. (Pet care with a side of home care.)
House Sitting Insurance
Watching clients’ homes and pets while they’re away. (Home care with a side of pet care.)
Dog Walking Insurance
Exercising clients’ dogs, either one at a time or pack walking
Pooper Scooper Insurance
Pet waste management for residential or commercial clients
Pet Grooming Insurance
Pet grooming, styling, and hygiene from home or a salon
Mobile Pet Grooming Insurance
Pet grooming offered at clients’ homes or in a mobile trailer or vehicle
Dog Training Insurance
Obedience training and behavior modification sessions or classes
Pet Boarding Insurance
Overnight pet care in your home or facility
Dog Daycare Insurance
Daytime pet care in your home or daycare facility
Pet Kennel Insurance
Long-term, overnight pet boarding in your home or facility
Pet Taxi Insurance
Transporting pets, including pet taxis, animal transporters, and flight nannies
What If I Offer More Than One Pet Service?
You don’t have to be just one thing to get coverage that fits your business. Learn how to cover multiple pet services in our FAQ blog.
Not sure which policy is the best fit? Ask our licensed, U.S.- based customer support team to find the right coverage for what makes your pet care special.
Coverage Limits & Pricing
Your coverage limits determine how much your policy can pay for specific types of accidents during pet care and running your business. Understanding them helps you make sure your PCI policy matches any contract, client, platform, or lease insurance requirements.
We want you to be confident in the coverage you’re buying. Pay special attention to:
- Per occurrence limit (the most your policy will pay for one incident of that type)
- Aggregate limit (the most your policy will pay for that type of claim during the whole policy year)
Need help? Talk to our support team. Your job is to speak pet, our job is to speak insurance.
| Coverage | Included | Upgrade Options |
|---|---|---|
|
General Liability |
✅ Per Occurrence: $1,000,000 Aggregate: $2,000,000 |
|
|
Animal Liability |
✅ Per Occurrence: $1,000,000 Aggregate: $2,000,000 |
|
|
Products-Completed Operations |
✅ Aggregate: $1,000,000 |
|
|
Damage to Premises Rented to You |
✅ Any One Premises: $100,000 |
|
|
Medical Expense |
✅ Any One Person: $5,000 |
|
|
Professional Liability (grooming policies only) |
✅ Per Occurrence: $1,000,000 Aggregate: $2,000,000 |
|
|
Pet Protection (Animal Bailee) |
✅ Per Occurrence: $2,500 Aggregate: $5,000 |
Optional higher limits: $5K Per Occurrence, $10K Aggregate ($5.75 / month) $10K Per Occurrence, $20K Aggregate ($7.92 / month) $15K Per Occurrence, $30K Aggregate ($12.08 / month) |
|
Veterinarian Reimbursement |
✅ Per Occurrence: $1,000 Aggregate: $2,500 Deductible: $250 |
Optional Higher Limits: $1K Per Occurrence, $5K Aggregate ($5.25 / month) |
|
Lost Key Liability |
✅ Per Occurrence: $2,000 Aggregate: $2,000 |
|
Optional Add-On Coverages |
||
|
Employee Coverage |
Optional *Recommended for pet pros with hired help. |
($7.08/month or $85/year per employee) |
|
Independent Contractor Coverage |
Optional *Recommended for pet pros with hired help. |
($7.08/month or $85/year per independent contractor)) |
|
Workers Compensation |
Optional |
Free Custom Quote |
|
Commercial Auto |
Optional |
Free Custom Quote |
|
Broadened Property Damage |
Optional |
$25,000 aggregate ($5.67/month) |
|
Equipment & Inventory |
Optional |
$2,000 Per Occurrence, $4,000 Aggregate ($4.08/month) $5,000 Per Occurrence, $10,000 Aggregate ($5.75/month) $10,000 Per Occurrence, $50,000 Aggregate ($22.42/month) |
|
Cyber Liability |
Optional |
$100,000 Aggregate ($6.58/month) $250,000 Aggregate ($12.50/month) |
|
Employee Dishonesty |
Optional |
$10,000 Per Occurrence, $25,000 Aggregate ($4.92/month) |
|
Additional Insureds |
Optional |
Unlimited additional insureds (one-time $10 fee per year) |
* Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to your actual policy for a complete description of coverages and exclusions.
What Pet Business Insurance Doesn’t Cover
Your PCI policy is only designed to cover claims you’re legally required to pay for harm your business causes to others or their pets. Like all liability insurance, there are some things it’s not designed to cover:
- Injuries to your employees (that’s Workers Comp Insurance)
- Damage to property you own (that’s Equipment and Inventory Insurance or Commercial Property Insurance), harm to yourself (that’s personal Health Insurance), or harm to your own pets (that’s Pet Insurance)
- Claims for damage or injuries that aren’t your legal responsibility to pay
- Unlimited amounts of damage, hospital, vet, or legal fees. All insurance policies have limits they’ll pay for each accident (per occurrence limits) and for the whole year (aggregate limits).
- Claims filed for Pet Protection Coverage or Veterinarian Reimbursement if they’re filed or the accident occurred within the 7-day waiting period
- Caring for more than five (5) pets at a time, or for the same pet for over 30 consecutive days (including nights)
- Anything on the list of coverage exclusions, harm you did on purpose, or illegal activity
Still not sure about a particular pet or service? Our customer support team is always happy to talk through scenarios, so you can feel confident that you’re covered.
Why 17,000+ Pet Care Professionals Choose PCI
PCI is insurance designed specifically for pet care businesses. While generic business insurance isn’t built for what can go wrong in pet care, PCI includes key coverages like vet reimbursement and protection for pets in your care, custody, or control in every policy.
Get the protection you need to keep your business and the pets you love safe with PCI.
✔️ Designed for pet care businesses
✔️ Includes coverage for pet accidents and vet bills
✔️ Flexible coverage to fit your services
✔️ Instant proof of insurance + 24/7 policy access
✔️ U.S.-based, licensed support team ready to help
Ready to Protect Your Business?
Whether you’re just starting out or growing and thriving, PCI makes it simple to find coverage that fits your services, budget, and goals. Get covered online in minutes and get back to making tails wag.
Whether you’re just starting out or growing and thriving, PCI makes it simple to find coverage that fits your services, budget, and goals. Get covered online in minutes and get back to making tails wag.