Pooper Scooper Insurance for Pet Waste Removal Businesses
Worrying about risks leaves you pooped. Relax, Pooper Scooper Insurance has it covered.
- Covers damage to clients’ property
- Protects you if clients or their pets get injured
- Optional coverage for your equipment, truck, and team
- Same-day proof of insurance
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What Is Pooper Scooper Insurance?
Pooper scooper insurance is business coverage designed to protect pet waste removal services from everyday risks like property damage, client injuries, and escaped pets.
Pet waste removal can make good money, but unexpected claims and accidents quickly cut into your hard-won earnings. That’s why pooper scooper insurance includes these key coverages to protect your business and your clients:
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 policy to protect your tools, truck, employees, and more for a just-right fit. Get professional, affordable pet waste removal insurance built for your real risks with PCI.
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Instant Proof of Insurance
Employee Dishonesty Coverage
(Similar to Bonding)
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Pooper Scooper Insurance Explained
Is Pooper Scooper Insurance Right for Your Business?
If you’re getting paid to clean up pet waste on someone else’s property, you probably need pooper scooper insurance. That includes:
- Solo owner-operators running weekly routes or one-time cleanup
- Poop scooping teams with employees or techs servicing multiple yards per day
- Residential pooper scoopers with recurring clients
- Commercial pet waste removal businesses serving HOAs, apartments, and business properties
- Operators offering add-ons like deodorizing and sanitizing treatments
Whether you’re just starting a pooper scooper business or scaling with multiple trucks and techs, insurance helps you protect yourself, earn contracts, and prove you’re a prepared professional. Check who qualifies to see if your business is a good fit.
What Does Pooper Scooper Insurance Cover?
Pooper scooper insurance shields you from expensive claims and lawsuits that can come from pet waste removal. It bundles the crucial coverages every pooper scooper needs into one affordable policy, including:
General Liability Insurance: Covers physical injury and property damage to others, harm caused by your products and services, advertising mistakes, damage to spaces you rent, and third-party medical bills
“My deodorizing treatment discolored a section of artificial turf, and the client expects me to replace it.”
Pet Protection Coverage (Animal Bailee): Helps you pay costs like lawsuits and vet expenses after the injury, illness, death, or loss of animals you’re responsible for
“Sylvie, my client’s cat, slipped past me when I left the job site and went missing.”
Veterinarian Reimbursement: Pays you back for vet bills if clients’ pets under your supervision need emergency treatment
“Tiger, my client’s dog, started vomiting during my visit, and I’m worried that he got into my sanitizing chemicals. The client wasn’t home, so I took him to the vet as a precaution.”
Lost Key Liability Coverage: Pays rekeying costs if you lose a client’s keys
“A key ring I use across several commercial properties went missing, so I had to pay a locksmith to change multiple locks.”
From legal defense to repair, hospital, and vet bills, claims for pooper scooper businesses can easily reach into the thousands. That’s why pet waste removal insurance is built for the moments where things go wrong in your daily routine.
What Pet Waste Removal Insurance Doesn’t Cover
PCI’s base pet waste removal insurance is designed to cover the risks any pooper scoopers would face, but it can’t cover everything. Depending on the risk, you may be able to customize your policy with extra coverage.
| What It Doesn’t Cover | How to Cover It |
|---|---|
| Damage to your vehicle | Add Commercial Auto Insurance |
| Your or your employees’ liability while driving (damage to vehicles or property, injuries, etc.) | Add Commercial Auto Insurance |
| Your employees' vehicles while they drive for work | Add Commercial Auto Insurance |
| Your pooper scooping equipment (like sprayers, tools, and even your work phone) | Add Equipment and Inventory Coverage |
| Employee injuries on the job | Add Workers Compensation |
There are also a few things we can’t cover at all. You can see a complete list on our exclusions page, but these are some of the major risks we can’t cover for pooper scoopers:
- Landscaping services
- Dogs with a history of aggression or a local “dangerous dog” designation
- Animals that aren’t common household pets, farm animals, or animals owned for breeding or commercial purposes
- Injuries to you (that’s personal health insurance)
How Much Does Pooper Scooper Insurance Cost?
Pooper scooper insurance from PCI costs as little as $17.92/month or $194/year Your final price varies based on:
- Your business size: The more you make and the bigger you grow, the more you have to protect.
- Your past claims: Have you had accidents that ended in claims before?
- Which optional coverage you add: You can choose extra coverages to scale your coverage with your business. Add what you need, and leave what you don’t.
Many solo pooper scoopers start with our base policy, then add optional coverages as they build a client route, hire techs, upgrade gear, or add vehicles. Choose from these add-ons to customize your protection:
| Optional Coverages | Good For | Cost |
|---|---|---|
| Commercial Auto Insurance Helps cover vehicle-related property damage, accidents, and injuries while you or your employees drive for work | Pooper scoopers who drive to jobs, from solo operators in their own cars to teams running routes in branded company trucks | Custom quote |
| Workers Compensation Insurance Designed to pay medical bills and lost wages if an employee is hurt while working *Required for businesses with employees in most states | Pet waste removal companies with employees | Custom quote |
| Equipment and Inventory Coverage Can reimburse repair or replacement costs if your business gear gets damaged or stolen | Protecting your investment in sprayers, disposal systems, and other tools of the trade | Three options, starting at $4.08/month |
| Broadened Property Damage Coverage Designed to cover damage to clients’ personal belongings (think the stuff on their property or in their yard, rather than the property itself) | Pooper scoopers who interact with clients’ belongings (like patio furniture, lawn decor, or garden boxes) | $5.67/month |
| Additional Insureds Add people, companies, and municipalities who ask for coverage under your policy before they contract with you. | Pet waste removal businesses with commercial or local government clients | One-time $10 fee for unlimited additional insureds |
| Cyber Liability Coverage Protects your business if client info gets stolen, leaked, or ransomed during a data breach or cyberattack | Pooper scooper businesses that book online, store client records, or take digital payments | Two options, starting at $6.58/month |
| Employee Dishonesty Coverage (similar to bonding) Can help pay for losses if an employee steals from a client | Building trust if your employees hold clients’ keys, door or gate codes, etc. | $4.92/month |
| Employee Coverage Protects your business against lawsuits and claims because of your employees’ actions | Pet waste removal teams with part-time or full-time techs and support staff | $7.08/month |
| Independent Contractor Coverage Extends coverage to contractors your business hires | Scaling businesses that use contractors | $7.08/month |
| Additional Pet Protection | Growing or high-volume pooper scooper services | Three options, starting at $5.75/month |
| Additional Veterinarian Reimbursement | Growing or high-volume pooper scooper services | $5.25/month |
Pet Waste Removal Insurance Designed for You
Pooper scooper insurance from PCI lets you take care of business safely. Click the info buttons or see our
coverage details page for more about each coverage and your limits.
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.
* 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 Pooper Scoopers Choose PCI
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 services often skip coverages essential for pooper scoopers (like pet protection). Handling 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 pet waste removal insurance backed by an A-rated carrier 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
Do solo pooper scoopers need business insurance?
Yes. Even one-person pooper scooper businesses can face expensive claims for property damage, pet injuries, or accidents on client property. Pet waste removal insurance helps protect solo operators from common risks like:
- Damaging a sprinkler system or gate
- Accidentally injuring a pet or allowing them to escape
- Client slip-and-fall claims
- Lost keys or lock replacement costs
Do clients or contracts require pooper scooper insurance?
Yes. Many clients, especially HOAs, property managers, and commercial or municipal contracts, require pooper scooper insurance before hiring a pet waste removal business. You may need to provide proof of insurance (COI) or add a client as an additional insured to meet contract requirements.
Can pooper scooper insurance cover illness or health-related claims?
Yes, pooper scooper insurance may cover certain illness-related claims, depending on who’s affected, how it happened, and which coverages you add to your policy.
For example:
- Employees: Workers Compensation Insurance may help cover medical bills or lost wages if a tech gets sick or injured while working (such as from waste exposure or a dog bite)
- Clients: General Liability Insurance can help cover claims of improper waste handling or disposal causing illness or contamination, along with more common slip, trip, and fall accidents
- Clients’ pets: Pet Protection Coverage (Animal Bailee) is designed to pay for pet illness related to your service, including exposure to waste or chemicals
- Business owners: Liability insurance doesn’t cover your own medical care, so self-employed pooper scoopers typically need separate health insurance
Should pooper scoopers insure their tools and work vehicles?
Yes. Many pooper scooper businesses add coverage for their equipment and vehicles because both are a serious investment and essential to daily work. For example:
- Equipment and Inventory Insurance is designed to help with repair and replacement costs if work tools like disposal systems, sprayers, and business tech get damaged or stolen.
- Commercial Auto Insurance can help cover accidents, vehicle damage, and your liability while driving between jobs.
How do I get proof of pet waste removal insurance?
After buying your PCI pooper scooper insurance policy, you can immediately download your proof of insurance (COI) online from the “Download Documents” section of your account.