Dog Walker Insurance
Dog walking insurance that’s fast, flexible, and reliable on the move — just like you.
$14.58/ month
Protection for your ruff days.
Backed by
What Is Dog Walker Insurance?
$2 Million General Liability Aggregate Limit
Covers property damage and harm to people
Pet Protection Coverage
(Animal Bailee)
Pays for accidents and injuries to pets in your care
Veterinarian Reimbursement
Gets pets the help they need (and gets you a refund)
Lost Key Liability Coverage
Handles rekeying costs when you’re locked out
Buy Online in 10 Minutes or Less
Instant Proof of Insurance
Employee Dishonesty Coverage
(Similar to Bonding)
Friendly, Certified Customer Service
Accidents Can Cost You
A leisurely walk can turn into an expensive emergency faster than you can say, “No, don’t eat that!” Pet Care Insurance had these dog walkers’ backs when accidents happened:
Insurance for Dog Walkers Explained
Who Needs Dog Walker Insurance?
From large pet care businesses to walkers with Rover or Wag, anybody who walks dogs needs dog walker insurance. If you walk someone else’s dogs on property you don’t own, insurance shields you from being legally and financially responsible when accidents happen.
What Does Dog Walker Insurance Cover?
Dog walking business insurance can cover your responsibility to pay for common damage and injury claims related to your business, including lawsuits, representation costs, settlements, and other legal fees if you get sued. Your dog walker insurance combines these types of coverage into one easy-to-use policy:
- General Liability Insurance: Covers bodily injury and property damage to others, harm due to your products and services, advertising mistakes, and damage to spaces you rent
- Pet Protection Coverage (Animal Bailee): Protection from legal claims of injury, illness, or death to animals in your care, custody, and control
- Veterinarian Reimbursement: Pays you back for vet bills, so you can get dogs emergency care when they need it without worrying about the cost
- Lost Key Liability Coverage: Repayment for rekeying a client’s home if you lose the keys
How Much Does Dog Walking Insurance Cost?
Dog walking insurance from PCI costs as little as $14.58/month or $154/year. Our standard policy includes the protections any dog walker would need, but you can also customize your coverage to fit what makes your business special. Opt into any of these extra coverages at checkout, or add them later as your needs grow and change:
- Workers Compensation: free custom quote
- Additional Pet Protection Coverage (Animal Bailee): three options, starting at $1.99/month
- Additional Veterinarian Reimbursement: $3.99/month
- Equipment & Inventory (Inland Marine) Coverage: three options, starting at $4.08/month
- Employee Dishonesty Coverage: $4.92/month
- Broadened Property Damage Coverage: $2.42/month
- Additional Insureds: $0.83/month
- Employee Coverage: $2.08/month
- Independent Contractor Coverage: $4.17/month
- Cyber Liability Insurance: $6.58/month
Want to know how your insurance price gets decided? See a simple breakdown of what affects your cost on our dog walker insurance cost page.
How Do I Get Dog Walker Insurance?
Getting covered with PCI is fast and easy, even on the go! Just follow these steps:
- Go to our online application
- Choose the coverages you want
- Tell us a little about your business
- Get your instant quote
- Enter your payment info
It’s proof of insurance and peace of mind in 10 minutes or less.
Important note: Veterinarian Reimbursement and Pet Protection Coverage have a seven-day waiting period. Get insured before accidents happen so you’re ready to get pets the help they need right away.
Coverage Details
See for yourself: dog walker business insurance blends just-right coverage, high limits, and affordable prices.
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.
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
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: $2,500
Limit per Year: $5,000
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: $2,500
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
*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 Walkers Choose Pet Care Insurance
You can get our affordable insurance for dog walkers online and update it anytime. With support from our A-rated insurance carrier and friendly, licensed customer service agents, PCI gives you confidence from cart to claim.
You're in Good Company With Pet Care Insurance
Dog Walker Insurance FAQs
What kind of insurance do you need to be a dog walker?
Insurance for dog walkers needs to be tailored to unique risks like dog-to-dog interaction, damage to yards, and extreme weather injuries. At a minimum, we suggest these coverages to protect your furry clients and your finances if you’re growing or starting a dog walking business:
- General liability insurance
- Animal bailee insurance (aka Pet Protection)
- Veterinarian reimbursement
- Lost key liability insurance
- Workers comp insurance (if you have employees and operate in any U.S. state except Texas)
Should a dog walker be bonded and insured?
Dog walker insurance and bonding go hand-in-hand if you run a walking service with employees. Employee dishonesty bonds keep you from paying to make things right with a client if your employee steals from them. PCI offers employee dishonesty coverage (similar to but better than bonding) to show clients they don’t have to worry while you’re on the job.
Is dog walking insurance required by law?
Most dog walkers aren’t legally required to get insurance, but most also can’t afford to skip it. Dog walkers are often held financially responsible for property damage and injuries to people or pets. Insurance can help pay for medical bills, legal fees, repairs, and more. Some pet parents and employers also require insurance before handing over the leash, so it pays to be prepared.
Do I need insurance if I work through platforms like Rover or Wag?
Yes! Rover, Wag, and most other pet care apps do not provide dog walking insurance. If an accident happens while you’re caring for a pet, they’re set up to protect the pet and their owner — not you. That’s why Rover and Wag both recommend buying dog walker insurance on your own. See our insurance for Rover dog walkers page to get the full scoop.
See What Else We Cover
We protect pet care professionals for all kinds of services. Here are some of our most popular:
