Pooper Scooper Insurance for Pet Waste Removal Businesses
Worrying about risks leaves you pooped. Relax, Pooper Scooper Insurance has it covered.
Backed by
Protect Your Business with Pooper Scooper Insurance
Scooping pet poop can be seriously profitable if you manage your costs and risks. With pooper scooper business insurance, it’s in the bag. Pooper scooper insurance is protection tailored to shield your pet waste removal business against financial and legal risks.
Property Damage and Harm to Others
Pooper scooper business insurance offers $2M general liability coverage for claims and lawsuits.
Pet Accidents and Injuries
Pet Protection (Animal Bailee) shields you and pets if they’re hurt or lost due to your services.
Emergency Vet Care
Vet Reimbursement refunds you so you can get injured pets the help they need right now.
Lost Keys
Lost Key Liability coverage handles locksmith costs if you get locked out or lose a client’s keys.
You can also customize your coverage to protect your tools, truck, employees, and more for a just-right fit. Never worry about stepping in it again with affordable waste removal insurance tailored to you.
Buy Online in 10 Minutes or Less
Instant Proof of Insurance
Employee Dishonesty Coverage
(Similar to Bonding)
Friendly, Certified Customer Service
Accidents Happen. We Can Help.
If your service accidentally harms pets, property, or people, waste removal insurance helps you make it right without breaking the bank. Pet Care Insurance had these real pooper scoopers’ backs when accidents happened.
Covered.
Covered.
Covered.
Covered.
Covered.
Pooper Scooper Insurance Explained
What Is Pooper Scooper Insurance?
Pooper scooper insurance protects pet waste removal businesses against pricey claims and lawsuits. Whenever you interact with a client or their pet, work on someone else’s property, travel to a job, or even advertise, there’s a chance of an accident or mistake.
Pooper scooper insurance acts like a safety net that absorbs the cost of expensive accidents to help your business bounce back quickly.
Why Do You Need Pooper Scooper Business Insurance?
Damage to yards, pet injuries, lost pets, and other common accidents can cost thousands without insurance. That’s why PCI’s pooper scooper insurance is designed to pay for expensive claims like repair costs, vet fees, medical bills, and your legal costs if your business is sued.
Pet waste removal insurance is also crucial to grow your business safely. As your client list expands, you can add more services, hire employees, buy branded trucks, or upgrade to better gear. PCI pooper scooper insurance is ready to scale when you are, with add-on coverages that match your growing investment.
What Types of Coverage Do Pooper Scoopers Need?
Pooper scooper insurance from PCI bundles the crucial coverages every pooper scooper business needs — no more, no less — into one affordable policy:
- General Liability Insurance: Covers bodily injury and property damage to others, harm caused by your products and services, advertising mistakes, damage to spaces you rent, and others’ medical expenses
- Pet Protection Coverage (Animal Bailee): Pays for the injury, illness, death, or loss of animals you’re responsible for
- Veterinarian Reimbursement: Pays you back for vet bills if you need to get emergency treatment for pets in your care
- Lost Key Liability Coverage: Pays rekeying costs if you lose a client’s keys
Can I Customize My Pooper Scooper Insurance?
Above-and-beyond services make you stand out from the pack in the poop scooping game. To protect what makes you special while keeping costs low, select the add-on coverages you need from this list on your application:
Equipment and Inventory Coverage — popular
Equipment and Inventory Coverage protects your work gear (like your business phone, sprayers, and scoopers) against damage or theft. (Three options, starting at $4.08/month)
Broadened Property Damage Coverage — popular
Broadened Property Damage Coverage extends coverage beyond lawn, shed, pavement, fence, or home damage (already covered under general liability) to personal items like outdoor furniture, decorations, and individual plants. ($2.42/month)
Workers Compensation
Workers Compensation pays for employees’ work-related injuries. (Custom quote)
Commercial Auto Insurance
Commercial Auto Insurance covers damage, medical bills, and more while you or employees drive a company vehicle for work. (Custom quote)
Additional Pet Protection Coverage
(Three options, starting at $1.99/month)
Additional Veterinarian Reimbursement
($3.99/month)
Additional Insureds
People, companies, and municipalities who ask to be added for coverage under your policy to contract with you. ($0.83/month)
Cyber Liability
Pays data breach costs if a hacker steals your stored client information. ($6.58/month)
Employee Dishonesty Coverage
Similar to bonding Employee Dishonesty Coverage protects you financially if your employee steals from a client. ($4.92/month)
Employee Coverage
Coverage against client claims due to your employees’ actions. ($2.08/month)
Independent Contractor Coverage
Coverage against client claims due to your independent contractors’ actions. ($4.17/month)
How Much Does Pooper Scooper Insurance Cost?
Pooper scooper insurance from PCI starts at just $14.58/month or $154/year. To expand your protection, you can add any of our extra coverages listed above. Your annual income and whether you’ve had insurance claims before could also affect your price.
Want to offer pet services besides waste removal? You’re also covered to walk dogs under your pooper scooper policy, but you can upgrade to any of these policies to add a service and still keep your scooping protected:
- Pet Sitting Insurance ($22.92/month)
- Pet Grooming Insurance ($23.03/month)
- Dog Training Insurance ($26.10/month)
- Pet Boarding Insurance ($26.10/month)
- Pet Daycare and Pet Kennel Insurance ($26.10/month)
- Pet Taxi Insurance ($26.10/month)
Pooper Scooper Insurance Designed for You
Pet waste removal insurance from PCI lets you (and pets) take care of business safely. Our coverage is backed by A-rated carriers and customized to your unique needs. Here are the details about what’s included.
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 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 Choose Pet Care Insurance
Insurance tailored to the specific risks of a pooper scooper business is rare. We want to change that.
Insurance companies that don’t specialize in pet care often skip coverages essential for pooper scoopers (like pet protection). To illustrate how PCI tailors your coverage to your risks, here are a few examples of how pooper scooper insurance keeps you safe.
Scooping animal poop involves unique risks — everything from safe, legal waste disposal to liability for pet injuries — so don’t settle for generic business insurance. Get affordable waste removal insurance with PCI. Buy in minutes and manage your policy online 24/7. Or, just ask our friendly, licensed customer service agents. We’re here to help!
Your Opinion Matters Most
Pooper Scooper Insurance FAQs
Does insurance cover exposure to dog waste or getting sick on the job?
There are a few ways insurance could cover health risks because of exposure to animal waste for pooper scoopers:
- For your employees: If you run a pooper scooper business with employees, you will likely be legally required to carry workers compensation insurance (unless you live in a state that doesn’t require it). Workers comp can pay for medical bills if your employees are injured or become sick on the job.
- For clients and pets: If your improper dog waste disposal led to health problems for others, general liability could cover injury and illness claims. Dog waste can contain pathogens and parasites, so it isn’t safe for traditional composting and has to be carefully handled. Check your local laws to dispose of dog poop legally and safely.
- For yourself: If you’re self-employed and want to insure yourself against the risk of illness, you need to buy a separate health insurance policy. Pooper scooper insurance is a liability policy, so its goal is to respond to harm to someone else, not yourself.
Do I still need pooper scooper insurance if I work alone?
Yes, even one-person poop scooping operations need business insurance to avoid expensive claims. While you can skip workers comp and bonding, you will still want a general liability policy like PCI’s pooper scooper insurance. This can cover your risks for property damage, injuries to clients’ pets, and other accidents.
Do I need insurance for my poop scooping tools or truck?
Many pooper scooper businesses insure their cleaning equipment (like sprayers, power washers, and waste disposal systems) for damage or theft with equipment and inventory insurance. You may also want to protect your vehicle with commercial auto insurance, especially if you invest in custom marketing decals or modifications.
See What Else We Cover
Thinking about adding another service? We also cover pet professionals like these:
