Dog Daycare Insurance
Trusted Coverage For Your Boarding, Overnight, and Doggy Daycare Operations
Dog daycare insurance designed for the realities of running a daytime pet care business.
- Covers dogs in your care and pet-on-pet injuries
- Reimburses you for emergency vet care
- Flexible coverage to fit your services and locations
- Same-day proof of insurance
Need to cover more than 5 pets or stays over 30 days?
Trusted by over 15,000 Pet-care Professionals
Backed by
Trusted by over 15,000 Pet-care Professionals
What Is Dog Daycare Insurance?
Insurance for dog daycare is business coverage designed specifically for daytime pet care. If you watch over clients’ dogs in your home, a rented space, or a daycare facility you own, this is the coverage you need for your biggest risks.
$2 Million General Liability Aggregate Limit
Covers injuries to other people and damage to others’ property
Pet Protection Coverage
(Animal Bailee)
Pays for harm to pets in your care, including injury, illness, and escape
Veterinarian Reimbursement
Gets pets the help they need (and gets you a refund)
Lost Key Liability Coverage
Handles rekeying costs when you lose a client’s keys
You care for dogs the way you’d want someone to care for yours. Get coverage that takes your commitment to safe, happy pets seriously.
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Downloadable Certificate at Checkout
Employee Dishonesty Coverage (Similar to Bonding)
Trusted by Over 17,000 Pet Care Businesses
Even Good Dogs Have Bad Days
You navigate group play, feeding schedules, and screening new pups like a pro, but dogs still find ways to surprise you. Here’s how PCI helped dog daycare owners like you when the unexpected happened.
Covered.
Covered.
Covered.
Covered.
Insurance for Doggy Daycare Explained
Who Needs Dog Daycare Insurance?
Anyone who offers daytime pet care for money can benefit from dog daycare insurance. That includes home-based daycares, standalone daycare facilities, daycare franchises, and pet businesses that offer daycare plus services like training or grooming.
PCI offers three types of coverage for pet pros who watch over pets in their own home or facility. Here’s how to know which is right for you.
| Dog Daycare Insurance | Pet Boarder Insurance | Pet Kennel Insurance | |
|---|---|---|---|
|
Best for |
Overnight stays in your home or facility |
Overnight stays in your home or facility |
Extended stays or large-scale boarding operations |
|
Typical hours |
Day drop-off and pickup |
Overnight and multi-night stays |
Long-term stays (max 30 days) |
|
Coverage focus |
Group play, daytime incidents, on-premises injuries |
Overnight care, multi-pet home environments |
Higher volume, extended care |
Running both daycare and boarding? You can cover multiple services with one PCI policy. Just pick “Doggy Daycare (My Home)” in the application, then add the optional coverages that fit your services best.
What Does Doggy Daycare Insurance Cover?
Dog daycare insurance covers your business and the pets in your care. It’s designed for what actually goes wrong in group day care settings, from bites and injuries to escaped pets and injuries to people. Your coverage includes these key coverages:
Here’s something many daycare owners don’t realize: along with everyday accidents, you might also need protection in case a claim escalates into a lawsuit. PCI’s dog day care insurance can also help with legal defense costs like attorney fees, settlements, and court costs, not just the incident itself.
What It Doesn’t Cover
While doggy daycare insurance is designed to cover your most common and costly risks, it does have some exclusions. Here’s what your PCI policy doesn’t cover, so you can plan ahead:
- Dogs with a known history of aggression, or animals with a “dangerous dog” designation from local authorities
- Animals that are not common household pets, including farm animals and animals kept for breeding or commercial reasons
- Pets you personally own (that’s pet health insurance)
- Damage to your own home, facility, or property (that’s a BOP or commercial property insurance)
- More than five pets in your care at once
- Stays longer than 30 consecutive days, including overnight time
If you regularly care for 6+ pets at once or board for 31+ days, we can help you find coverage with our partner CNA.
Visit our exclusions page for a complete list. Questions? Our licensed customer service team is here to help.
What Does Dog Daycare Insurance Cost?
Dog daycare insurance from PCI starts at $29.43/month or $322.20/year. Your exact price depends on a few things:
- Your business size: Larger daycares have more to protect, so your coverage needs to reflect your real risks
- Your claim history: If you’ve had claims in the past, that can affect your rate
- Which add-ons you choose: Optional coverage let you customize your policy based on your operations and budget
A home-based solo pet pro has different risks than a facility with a staff, multiple play yards, and an online booking system. That’s why PCI lets you build a policy around your setup, adding just the extra coverages you need. Here’s our list of add-ons.
| Optional coverages for dog daycares | Good for | Cost |
|---|---|---|
|
Workers Compensation Insurance Can cover medical expenses and lost wages if an employee is hurt on the job |
Daycare businesses with a team or staff |
Custom quote |
|
Equipment and Inventory Coverage Built to help cover repairs or replacements if your business gear is damaged or stolen |
Protecting your investment in equipment like crates, gates, and work devices |
Three options, starting at $4.08/month |
|
Employee Coverage Designed to protect your business against claims due to your employees’ actions |
Growing daycare businesses adding support staff |
$7.08/month |
|
Independent Contractor Coverage Extends coverage to contractors your business hires |
Daycares that bring in contractors for training, transport, or support |
$7.08/month |
|
Employee Dishonesty Coverage (similar to bonding) Covers losses if an employee steals from a client |
Building trust if your staff has access to client homes or belongings |
$4.92/month |
|
Helps shield your business from costs due to accidents, injuries, and property damage while you or employees drive for work |
Daycares that offer pickup and drop-off services or pet taxi rides |
Custom quote |
|
Helps protect your business if client information is stolen or your systems are compromised |
Daycares that book online, store client records, or process digital payments |
Two options, starting at $6.58/month |
|
Broadened Property Damage Coverage Covers damage to clients’ personal belongings |
Daycares that store clients’ pet gear on site, like crates and dog accessories |
$5.67/month |
|
Additional Pet Protection |
Growing day cares or high-volume operations caring for multiple dogs daily |
Three options, starting at $7.92/month |
|
Additional Veterinarian Reimbursement |
High-volume day cares, especially those caring for special needs pets |
$5.25/month |
Coverage Details for Dog Daycare Insurance
Click the icons or visit our coverage details page to see exactly how your PCI policy covers you and dogs.
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.
Limit per Incident: $1,000,000
Limit per Year: $2,000,000
Professional Liability Insurance
The most your policy will pay in a year for financial losses arising from errors, omissions, mistakes, or negligence in your professional grooming services
Included in General Liability limits
Animal Liability Limit
The most your policy will pay in a year for bodily injuries and property damage to others because of an animal in your care
Limit per Incident: $100,000
Limit per Year: $200,000
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.
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
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.
Any One Premises: $100,000
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.
Any One Person: $5,000
Pet Protection (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.
Limit per Incident: $2,500
Limit per Year: $5,000
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.
Limit per Incident: $1,000
Limit per Year: $2,500
Deductible: $250
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.
Limit per Year: $2,000
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.
Why Dog Daycares Choose PCI
Did you know that standard business liability insurance rarely covers pet care? That means a tussle between dogs or an escape during drop-off could leave you paying out of pocket.
PCI has specialized in protecting pet care businesses for over a decade. That means the coverages that matter most to a doggy daycare — like pet protection and vet reimbursement — are included in every PCI policy. With A-rated carriers and a licensed, U.S.-based support team ready to help, we’re here for you from cart to claim and beyond.
Over 17,000 Pet Professionals Trust PCI
Doggy Daycare Insurance FAQs
Do I need dog daycare insurance?
Yes. If you watch dogs during the day as a business, even part-time or in your home, you may be taking on more risk than you realize.
Standard homeowners or renters insurance typically doesn’t cover business activity, and general business policies often exclude pets. Without dog daycare-specific coverage, you could be on the hook for vet bills, injury claims, and other accidents that can happen during routine pet care.
How do I get dog daycare insurance?
You can cover your dog daycare by completing an application. Select Doggy Daycare (My Home)/Pet Taxi at the first screen. Then, follow the prompts to pick your add-ons and provide basic details about yourself and your business. If your quote looks good, buy your policy and get instant proof of insurance.
Does insurance for dog daycare also cover overnight pet boarding?
Dog daycare insurance is designed primarily for daytime care. If you also offer overnight stays, consider our pet boarder insurance instead. It’s built for at-home or small-facility overnight care. If you offer overnight care for extended stays, our pet kennel insurance could be the best fit.
How can I cover caring for more pets or offering longer stays?
Dog daycare insurance is designed primarily for daytime care. If you also offer overnight stays, consider our pet boarder insurance instead. It’s built for at-home or small-facility overnight care. If you offer overnight care for extended stays, our pet kennel insurance could be the best fit.
See What Else We Cover
Thinking about adding more pet services? We also cover pet professionals like these.
Doggy Daycare Insurance
Start your policy today with PCI to customize your coverage, and make your life a whole lot easier.