Pet Sitter Insurance
Show clients you’re trustworthy with pet sitter insurance you can count on.
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The Best Pet Sitter Business Insurance
Clients choose sitters who make them and their fur babies feel safe. Protect your business and the animals you love with pet sitting insurance designed for nose-to-tail coverage:
$2,000,000 General Liability Aggregate Limit
Covers property damage and harm to people
Pet Protection Coverage (Animal Bailee) (+ options for increasing limits)
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
But they don’t have to. PCI covers you when pets get injured or sick under your care. We protect you while you focus on the pets.
Insurance for Pet Sitters Explained
What Is Pet Sitter Insurance?
Pet sitter insurance is financial protection from accidents and injuries that happen on the job. Your pet sitter insurance includes:
- General Liability Insurance: Covers bodily injury and property damage to others, harm due to your products and services, advertising mistakes, damage to spaces you rent, and medical expenses to someone else
- Pet Protection Coverage (Animal Bailee): Protection from legal claims for harm to animals in your care, custody, and control
- Veterinarian Reimbursement: Repayment for vet bills when an animal in your care needs emergency treatment
- Lost Key Liability Coverage: Reimbursement for rekeying a client’s home if you lose the keys
Who Needs Pet Sitting Insurance?
If you take care of someone else’s animals in their home, pet sitting insurance is made for you. You could face a lawsuit if you damage a client’s property or a pet you’re watching gets injured, so coverage is crucial. Pet care professionals who dog sit, cat sit, house sit, do drop-in visits, or even walk dogs could all be covered under insurance for pet sitters.
How Does Pet Sitter Insurance Protect Me if a Pet Gets Hurt?
In case of pet injuries, the best pet sitter insurance policies include Animal Bailee, a safeguard we call Pet Protection. This coverage can pay for expenses related to an animal’s injury or death while in your care. These might include vet bills, legal representation, settlement costs, and more.
If a pet needs emergency care while you’re on the job, pet sitters insurance also gives you the support to rush them to the vet without worrying about your wallet. Veterinarian Reimbursement is designed pay you back for out-of-pocket vet costs.
How Much Does Pet Sitter Insurance Cost?
Insurance for pet sitters costs as little as $22.92/month or $254/year at PCI. Your policy includes the protections all pet sitters need, but we get that the extras put your business ahead of the pack. These add-on coverages let you customize your policy for a just-right fit:
- Workers Compensation: free custom quote when you apply
- Equipment & Inventory (Inland Marine) Coverage: three options, starting at $4.08/month
- Additional Pet Protection Coverage (Animal Bailee): three options, starting at $1.99/month
- Additional Veterinarian Reimbursement: $3.99/month
- Broadened Property Damage Coverage: $2.42/month
- Employee Dishonesty Coverage: $4.92/month
- Additional Insureds: $0.83/month
- Cyber Liability Insurance: $6.58/month
Coverage Details
If you’re looking for pet sitting insurance, you’ve come to the right place. PCI provides customized pet sitter insurance through top-rated carriers.
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 the Best Pet Sitter Insurance Comes from PCI
Business insurance companies that don’t specialize in pet care often skip coverages that are absolutely essential for sitters. PCI covers the risks that gnaw at your peace of mind to get you back to loving your job.
These are real scenarios pet sitters face and coverages we include in every pet sitter insurance policy to keep you protected:
You can get our affordable insurance for pet sitting risks online and update it anytime. With support from our top-rated carrier and friendly, licensed customer service agents, PCI gives you confidence from cart to claim.
You're in Good Company With Pet Care Insurance
Pet Sitter Insurance FAQs
Does Rover Cover Me for Pet Sitting?
Like most pet care apps, Rover doesn’t offer insurance to their contractors, so you need your own pet sitter business insurance. Rover will try to resolve conflicts with pet parents if an accident happens, but the Rover Guarantee isn’t set up to help you pay for legal claims. That’s why we offer Insurance for Rover Pet Sitters to keep you protected.
Do I Need Insurance to Be a Pet Sitter?
Yes! Pet sitting business insurance is essential to keep you from getting stuck with the bill after an accident. Pets are unpredictable, which is why you need insurance that’s reliable. Some pet parents and employers require you to carry dog sitter insurance to watch animals, so getting insured may even open up new opportunities.
Should a Pet Sitter Be Bonded and Insured?
You may see “bonded insured pet sitter” in the requirements for pet sitting jobs. Dishonesty bonding aims to give clients peace of mind and protect pet businesses. If your employee steals from a client, a bond is designed to pay the client back. We offer a similar protection called employee dishonesty coverage that’s more affordable with less strings attached for you.
What Are the Risks of Being a Professional Pet Sitter?
Lawsuit expenses like court costs, lawyer fees, settlements, and damages can sink your business if you don’t have pet sitters insurance. Common risks for pet sitters that result in legal claims include:
- Property damage to clients’ homes or belongings
- Dog bites and third-party medical costs
- Pet injuries and illnesses
- Loss of an animal
What If Something Gets Damaged While I’m Pet Sitting?
The general liability coverage in your pet sitter insurance could pay for repairs if part of the client’s home (like the walls or fixtures) gets damaged. To cover damaged belongings (for example, a cat rips their owner’s couch or you accidentally stain their antique rug), we suggest adding Broadened Property Damage to your policy now and thanking yourself later.
Is My Family Covered If They Pet Sit for Me?
Your PCI pet sitter business insurance could protect family members who help you with pet sitting gigs – if they meet some conditions. The policy will cover your spouse and kids under 18 years old, as long as they are carrying out pet business operations. Check out our main FAQ page to learn more.
How Do I Get Pet Sitter Business Insurance?
Applying for pet sitting insurance online is this quick and easy:
- Go to our online application.
- Choose the coverages that you want.
- Tell us a little about your business.
- Get your instant quote.
- Enter your payment info.
And voila, you’re covered and back to chin scratches and tummy rubs in minutes.
Important note: You can get same-day proof of insurance, but there’s a seven-day waiting period for the Vet Reimbursement and Pet Protection coverages. Getting pet sitting insurance now helps ensure you’re covered for accidents later!
See Who Else We Cover
Looking to expand your pet care services? We also cover these pet pros, and more:
