What's Covered

Pet Care Insurance was created to help pet business owners have the coverages they need to safeguard their finances in an unpredictable business environment. To that end, we provide superior financial protection by offering policy options that give you peace of mind.

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 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
  • $500 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 $1,000,000
$2,000,000
Each Occurrence
Aggregate Limit
Products-Completed Operations Aggregate Limit $2,000,000  
Personal and Advertising Injury Limit $1,000,000  
Each Occurrence Limit $1,000,000  
Damage to Premises Rented to You Limit $300,000 Any One Premises
Medical Expense Limit $5,000 Any One Person
Animal Bailee – Animals in Your Care, Custody, or Control $5,000
$10,000
Each Occurrence
Aggregate Limit
Veterinarian Expense Reimbursement (Regardless of Fault) $1,000
$5,000
$500
Each Occurrence
Aggregate Limit
Deductible
Lost Key Liability Coverage $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. If you would like to see a sample policy, please contact us.