Pet Sitter Insurance

shield icon

Trusted By Over 6,000 Pet Care Professionals

  • Instant coverage from just $139 a year

  • Easy online purchase in under 10 minutes

  • Coverage tailored to pet sitter business needs

Pet Sitting Business Insurance for Professionals

Pet Care Insurance has policies start at $139/yr
and are tailored to the unique needs of pet sitters.

Our pet sitting insurance provides you with coverage that responds to the claims most often faced by pet sitters including:

  • Pets that get sick on your watch
  • While in your care, custody, or control a dog is bitten
  • The cost to rekey a home if you lose the keys


Starting at only $139/yr,
our coverage is affordable while still meeting the unique insurance needs of pet sitting businesses. Our base policy includes:

  • $2,000,000 General Liability Aggregate Limit
  • Animal Bailee Coverage (options for increasing limits)
  • Veterinarian Expense Reimbursement Coverage

Download your pet sitting insurance guide.

Not Ready to buy?

Set up a reminder for the day you want to purchase insurance

Pet Sitting Insurance FAQ

What Is Animal Bailee?

This is one of the fundamental features of PCI’s pet sitting business insurance policy. Animal Bailee covers expenses related to animal’s injuries or death - which you are legally liable for - while it is in your care, custody, or control.

The base PCI policy provides $5,000 per occurrence and has a $10,000 aggregate limit. Higher limits available if needed.

What Is The Difference Between Bonding And Employee Dishonesty Coverage?

Both bonding and employee dishonesty coverage protect your business against the fraudulent and dishonest actions of an employee. PCI doesn’t offer bonding, but our optional employee dishonesty coverage gives you protection similar to bonding with much less hassle.
For example, bonds often include a credit check, only pay on conviction, and require repayment while PCI employee dishonesty coverage does not.

Is My Family Covered If They Work For Me

A PCI pet sitting insurance policy does extend coverage to some members of your family. The policy includes coverage for your spouse and for children who are under 18 years old, as long as they are carrying out the business operations of your pet sitting business.

For additional questions regarding pet sitting insurance, please check out our main FAQ page, or call us at 888-568-0548.


If you’re looking for pet sitting insurance, you’ve come to the right place.

Pet Care Insurance provides customized pet sitter insurance through “A” rated carriers.


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.


Each Occurrence
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.


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.


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

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

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.


Each Occurrence
Aggregate Limit

This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.


Each Occurrence
Aggregate Limit

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.


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.

pet sitter with dog on mountain

What Is Pet Sitting Insurance?

Insurance for pet sitters is designed specifically to protect your pet sitting business from bodily injury and property damage claims. A Pet sitting insurance policy from Pet Care Insurance (PCI) starts at $139/year and includes coverages like animal bailee, vet bill reimbursement, general liability and coverage for basic grooming and obedience training. We also provide additional options to meet such as employee dishonesty coverage and additional insureds to protect your business.

woman shaking golden retriever's paw

What Is The Difference Between Bonding And Employee Dishonesty Coverage?

A basic pet sitting insurance policy from PCI starts at $139/year. However, there are additional options that you may add to your policy for an additional premium. For example, one of these options is employee dishonesty coverage—a coverage similar to bonding.

dogs fighting

Do I Need Pet Sitting Insurance?

As a pet sitter, purchasing a pet sitting insurance policy helps protect your business. If you're not insured when a pet is injured, eats something bad, or you damage a client's property, you and your business could be in financial trouble; these events, and others like them, expose pet sitters to lawsuits and other liability claims.

Why Go With Pet Care Insurance?

Pet sitter liability insurance gives you the financial protection you need in case of an accident.

Even if you are as careful as possible, there is always a chance that something can go wrong.

Consider what would happen if:
An animal under your supervision goes missing.
Consider what would happen if:
An animal dies due to your negligence.
Consider what would happen if:
An animal is injured while you are watching them.
Previous slide
Next slide

We know there are risks associated with your line of work and have created policies that give you financial safeguards in case something goes wrong.

We are committed to you. With a trusted carrier, a team that has proven experience and leadership in the insurance industry, and customer service representatives that are knowledgeable and friendly, we are the best choice for your liability coverage needs.

See what else we cover

Besides pet sitters, Pet Care Insurance also responds to many other professionals in the pet service industry, some of whom include: