Public liability insurance for house sitters. You may need pet sitter insurance if you own any type of pet service business. You don’t want to pay premiums for years only to find that the insurance policy you obtained won’t protect you from some types of claims. Make sure your business - or dog - is protected. Different businesses use slightly different terms to describe their policies, but the basic options are as follows: Liability insurance policies protect your business from things like property damage or bodily injury that may occur during the course of doing business. You do not qualify for the Individual policy if your business is classified as a partnership, LLC, Inc., or type S corporation. Pet Sitter Insurance Providers . In fact, you should probably start with any insurance companies you already have a policy with (such as your car, homeowner’s, or rental insurance provider). While the odds of having an issue are slim when you care for someone’s pet once in awhile, offering pet sitter services professionally is completely different, and you need to start thinking of your services from a professional standpoint. Well, for one if a pet sitter is bonded and insured it means they are running a legitimate business. Public liability insurance offers protection against an incidence such as a pet in your care escaping from the garden and damaging a neighbour’s property. If you can’t find one in your area or don’t already have a relationship with an insurance provider, you may want to consider reaching out to one of the following three business. Most people have watched a pet for a friend or family member. 1. Must Ask Questions Before Accepting a Pet Sitting Job. If you aren’t completely clear on any details of a policy, make sure you ask questions until you understand the policy completely. Disclaimers . Similarly, some policies won’t cover damages that occur while you have live animals in the vehicle. Even if they don’t require pet sitters and walkers to be insured, it may still be very wise for you to obtain a policy. Let us know how you’ve navigated the insurance-policy waters below! Pet sitters commonly provide dog walking services. However, for pet sitters, there can be many more strands to public liability cover than other forms of work. They won’t trust just anyone with their pets. Get A Quote. It may even be wise to cough up a couple of hundred dollars to speak with an attorney about your potential liability before securing a specific policy. A number of things can go wrong when you’re taking care of a client’s pets. But what kind of insurance do you need as a pet sitter? There are a number of different types of insurance policies, and you’ll need to familiarize yourself with the options available. The more gigs you get, thanks – in part – to having insurance, the more money you make in the long run! I love cats and would like to become a cat sitter. Ben is the senior content editor for K9 of Mine and has spent most of his adult life working as a wildlife educator and animal-care professional. 6 Ways to Improve The First Walk with an Unfamiliar Dog. Speak with an insurance agent or attorney if you have any questions. Get a Quote See covered activities. Insurance Policies Will Help You Land More Clients. To do this, you need to know as much as possible about the animals you are watching. That’s a great responsibility. If you sit in a client's home or provide live-in pet sitting services for clients while they travel, it is also a necessity. It’s the only way you’ll have a chance of succeeding in such a crowded industry. Find Great Pet Sitting Jobs Today with PetSitter.com! For example, one policy may feature cheaper premiums than all of the others, but it may require you to pay a higher deductible when submitting a claim. Insurance policies are generally a good idea for most businesses, but they are especially wise for those who engage in high-risk or high-stakes activities. It may also pay a portion of their salary until they are able to return to work. All pet owners are concerned with the safety and security of their pets. Whether you actually own a pet sitting business, or simply do a little minding part-time, you will for sure want to consider having the proper insurance to protec t you just in case anything should go wrong. Insurance for dog walkers and pet sitters is a must! Call or buy online. Do I need pet sitting insurance? You may be on a shoestring budget at the outset, but you’ll be glad to know you are completely covered once you start rolling in money. Many first-time business owners don’t know where to begin. Instead of you having to reach into your pocket to pay for the damages, the insurance company will. You’ll just have to review the policy carefully to determine what is and is not covered. In a worst-case scenario, your client may place a lien on your home until you’ve paid for any damages that occurred. Pet sitting insurance is important for pet sitters, dog walkers and dog runners. Anyone who wants to open a pet sitting business can do so without any formal training, and no licensing tests are required. There’s a lot to think about when starting your own pet-sitting business. For example, will you be walking the pets at a local park or in your backyard? Also check whether your clients and any agencies you work with expect you to have particular insurance. Business Insurers of the Carolinas has been providing General Liability Insurance specifically designed for pet sitters since 1995. The majority of pet insurance policies are taken out for cats and dogs and it’s easy to find insurers for these animals. What Does it Mean to be Bonded and Insured as a Pet Sitter? Accordingly, you’ll want to research the terms and conditions before signing up with any of these services. What Kind of Insurance Do Pet Sitters Need? Time To Pet highly recommends that pet sitters and dog walkers carry some form of Pet Sitting Insurance to help mitigate their risk. Why do I need a pet sitting insurance policy? A pet sitter was walking three dogs. If you’ve been in business for any length of time or if you’ve performed any research about the pet-care industry, you already know that pet sitting is a very competitive and crowded field. Pet sitting insurance is important for pet sitters, dog walkers and dog runners. Once you decide to become a pet sitter and make it a business, it changes things. Additionally, K9ofMine.com participates in various other affiliate programs, and we sometimes get a commission through purchases made through our links. Note that your homeowner’s insurance policy may not cover business activities conducted in your home. Some insurers can cover injury to pets, as part of your public liability insurance. In fact, it may even increase it in some cases. Pet Care Insurance Providers. pet sitting, dog daycare, grooming, pet taxi, dog training, pet portraits, and pooper scoopers. Most good insurance policies cover these types of accidents. Your pet sitting insurance policy will provide you with up to £10 million worth of Public Liability, £50,000 Care, Custody and Control cover should an animal get injured, lost or killed, plus £10,000 worth of lost key cover as standard. Do Pet Sitters Need Insurance? This includes pet sitting insurance! Was this answer helpful? insurance. Top 5 Adorable Cat & Dog Videos You’ve Got to Watch! Customers are looking for someone who takes their job professionally and can treat their home and pets with great care. Common skills that good pet sitters have include trustworthiness, reliability, interpersonal skills, communication skills, a love for animals and flexibility. Accordingly, it is usually wise for dog walkers – as well as anyone who works in a pet-care field – to obtain a liability policy. Therefore, you can get coverage for all the pet-related services that you offer. By clicking “Allow” you agree to the storing of cookies on your device. This includes the obvious stuff, like walking the dog, feeding and watering, and providing some interaction while the pet parent is away. You may need pet sitter insurance if you own any type of pet service business. You may not need worker’s compensation insurance if you don’t have any employees, but it is essential if you do. Not only is pet sitting insurance important for your own protection, but it helps you stand out as a professional. Part of the appeal of these types of businesses is that you don’t need a lot of money to start them. These policies were designed to take the worry and hassle out of finding reliable coverage. Being insured is a great way to do so. If you’re making a living as a pet sitter, there are certain things you need to do to prove you’re the real deal and a professional who takes your job seriously. Pet sitting insurance can provide peace of mind for both you and your customers. In some cases, the location in which you conduct business will affect your liability. You do not qualify for the Individual policy if your business is classified as a partnership, LLC, Inc., or type S corporation. PUPS highly recommends you become and remained insured with a quality Pet Sitter Insurance provider throughout your pet sitting … Thank you very much. Even if a pet sitter earns a small amount of money, they still need to claim earnings on their personal income tax return. Umbrella policies are most commonly obtained by businesses with a lot of assets to protect, but they can also be wise for startups who engage in high-risk industries. Ben Team 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 … Once you’ve figured out the best policy for your needs and spoken with any insurance or legal professionals you need to, it is time to pick out a policy and put pen to paper. Without insurance, you can lose not only your business but also your personal property if you lose your case in What If I Pet Sit at My Own Home vs an Owner’s Home? “Without needed liability coverage, sitters are taking a huge risk. Here's why you need it and how to find best dog walking insurance plans. Whether you cat or dog sit while their owners are at work or are away over the holiday period, we can tailor cover to best meet your needs. Does Location Matter? As people in America increasingly acquire pets and are away from home more for work and travel, the demand for pet sitters is growing. Great pet sitters come prepared to provide the best care, but it’s impossible to remember everything about every client without a cheat sheet on hand. Here are some questions to ask pet owners before agreeing to take a pet sitting … Do I Need Pet Sitting Insurance to Use Online Booking Services, Such as Rover? Pet Sitter liability insurance is very important to all pet sitting / dog walking / poop scooping businesses. Pet sitters should consider pet sitting insurance. A bond would likely pay for the phone in these circumstances. by Professional United Pet Sitters LLC The following companies are known to provide quality pet sitting insurance to individual pet sitters as well as professional pet sitting businesses. For dog and pet owners, pet insurance can provide dog owners with a choice of benefits and a range of options. Pet Sitting Insurance covers all your requirements. Do I Need Pet Sitting Insurance? You’ll surely notice that most of the successful pet sitters are insured (they’ll usually advertise that they are), and potential clients will usually prefer pet sitters who have policies in place. Your typical pet-sitting procedures may also influence your insurance needs. As a member with Pet Sitters Associates, you receive insurance coverage for the pets that are in your care, so you and your clients can breathe easy. Some of the factors that’ll influence the amount of money you pay for your policy include: A few of the companies offering policies for pet sitters start at around $10 a month or so, but you may end up spending much more than this if you, for example, work with a large number of families. In fact, he breaks down for you exactly what you should be covered for when … Liability insurance policies are typically comprehensive, but they may not cover some loses. Why Pet Sitters need liability insurance. Bonding is somewhat like insurance, but it actually protects your clients, rather than you. As when picking a good policy, your state’s insurance commissioner may be able to provide information, and you can always speak with an insurance agent or attorney. From pet sitting insurance to dog walking business insurance, Travelers provides tailored coverage for your pet … Most will likely provide informational websites that’ll explain the basic insurance requirements in the state, and they may even provide tips and other resources that’ll help you obtain the right type of coverage. For example, you may accidentally pick up your client’s phone, thinking it was yours. To get specific information about pet insurance coverage and application requirements, talk to your insurance provider. A number of insurance companies provide coverage for pet sitters, so this isn’t terribly difficult. Umbrella insurance policies help to protect you from any gaps in your coverage. Choose a policy and pay your first premium. Liability insurance is the first type of insurance policy most dog sitters – particularly those with new businesses – should obtain. If, for example, your client’s dog breaks a leg because he tripped on a tree stump in your backyard, you may find yourself liable. Dog sitting insurance is designed to cover you when you are looking after a pet either at the home of the owner or in your own home. In Canada, PROfur Pet Sitting Insurance and Canadian Pet Pro are two main insurance … This typically includes lost keys, fire damage from … I know what you’re thinking: I would never steal anything from my clients, so I don’t need to become bonded. Pet sitting is a responsible job, and many owners appreciate a sitter who has specialist insurance. Pet sitters insurance from Petplan Sanctuary offers a range of cover if your business involves caring for other people's pets in the owners home. K9ofMine.com does not intend to provide veterinary advice. Dog Care A lot of pet sitters are using referral services, such as Rover or Wag, to help find and book clients. Just like any other small business, there are business expenses for pet sitters. An insurance commissioner helps to establish and enforce the insurance requirements in their state. Dog walkers may provide slightly different services than pet sitters, but they are subject to many of the same risks and liabilities that pet sitters are. Tailored insurance for pet businesses. Not all states require pet sitters to be licensed, although a pet sitting business must be registered with the state. May 17, 2017 | 11:k AM . You have successfully joined our pup pack. Don’t just compare the differences in monthly premiums. You will also benefit from £250 of equipment cover which can be increased up to £30,000 if required. There are many types of business insurance policies, from general liability insurance to workers’ compensation and more, which you may encounter. You need to think not only in terms of a pet lover but also as a business owner. What insurance do pet sitters’ need? Fortunately, many of these things are pretty fun to think about. Public liability, loss & much more. pet sitting, dog daycare, grooming, pet taxi, dog training, pet portraits, and … Insurance Policies Reduce Your Financial Exposure A number of things can … If a pet injures someone or causes damage, claims can run into tens of thousands of pounds so it's worth considering getting insurance. If you care for or feed pets for a living, including dogs, cats, birds, reptiles, and fish or if you provide doggy day care or dog boarding in your home, it is an essential purchase as part of doing business. Obtain quotes from a few different insurers. Different companies charge different rates and design their policies in different ways. Do you need pet insurance for rabbits? In some cases, your personal auto insurance policy may suffice, but some insurance companies will deny claims that occur if you are using your vehicle for business purposes. Pet sitters need several skills to be successful in their jobs. Animal hospitals and veterinarians Pet boarding Pet groomers Pet sitters Pet trainers and dog walkers Choose the best rate and coverage Insureon helps pet care professionals compare insurance quotes … You’ll simply have to contact a few insurance companies to find a more detailed answer. Dog walking insurance from Pet Business Insurance. Everything You Need to Know About Hiring Pet Sitters & The Business of Pet Sitting - INFOGRAPHIC, How to Make the Best Impression in a Phone Interview. What advice do you have for me please? Pets may have wildly different needs, so keep notes and/or files on each pet to ensure they’re getting care tailored to them. But, depending on the client and their pet, you may also be sleeping overnight, administering medications, and doing other home tasks, like bringing in mail or alternating the lights. It will also give you the peace of mind in knowing that you have coverage, should something unforeseen occur. You also risk losing your homeowners or renters insurance coverage if your agent discovers that you’re running a business (even home-based business) without adequate Pet sitters clearly meet the second criteria, as they’re responsible for the pets – and in many cases the homes – of their clients. With this in mind, you certainly need to think about pet insurance, however, there are a few things to consider first. You need to mitigate these risks, have access to resources to make the situation right, and ensure you are covered by investing in pet sitter insurance. Pet sitting insurance. It is often obtained by pet-sitting businesses who have many contractors or employees, but it can make sense for owner-operators to do so as well. Best Dog Boat & Pool Ramps: Water Adventure Safety. While this is not something you probably want to think about, these are the risks and threats to you as a pet sitter and as a business owner. A few hours later, you accidentally drop the phone, leaving your client with a several hundred dollar loss. Being bonded and insured is a vital part of owning a pet-care business. Given the risks driving always presents, this is an important consideration for dog sitters and walkers – particularly those who employ others. Pet owners can choose from dozens – and, in some cases, hundreds – of pet sitters in major metropolitan areas. Most pet sitters like to be covered if something were to happen at the meet and greet, while on a walk with a dog and they were attacked by another dog, or simply put, if they hurt themselves… These types of situations generally are not … We have guide with all the resources you'll need! Insurance isn’t the only type of protection pet sitters may want to acquire. What do sitters need to know about the Rover Guarantee? Whether you are a dog walker, pet sitter, or groomer, accommodating your clients’ needs (and schedules!) General Advice: Yes, Probably. You can no longer think in terms of doing it as a favor. While we provide information resourced and canine education, the content here is not a substitute for veterinary guidance. Pet sitting is more than taking dogs on walks or practicing pet behavior training. One of the best features of insurance for pet care professionals is that it covers more than just pet sitters. It not only protects you and your business, it can provide you with a number of business advantages, including: Being able to market any business, let alone a pet sitting business, as fully insured and bonded will immediately make you an attractive option for people exploring their options for a pet sitter. For better security, a more stable environment, and faster loading times, we What are you waiting for? But there are also a number of things you’ll have to figure out that are less fun. You may even be held personally responsible – meaning that you’ll still be expected to pay the damages, even after you dissolve the business. From public liability to care, custody and control, we explain what type of insurance is needed to be as professional pet sitters. However, there are a variety of ways you may accidentally lose or take some of your client’s property and wind up facing a lawsuit. K9ofMine.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. I offer professional pet sitting through my business in San Diego called Run That Mutt. Ben’s had the chance to work with hundreds of different species, but his favorite animals have always been dogs. One of the dogs spotted a cat sitting under a bush next to the … Contact the companies directly for more details. Yes No. Public liability insurance. Pet sitter liability insurance: This coverage protects you against claims that you are at fault for injuries or property damage while working as a pet sitter. Others have policies that start at around $40 a month. Do you have a dog-walking or dog-sitting business? The Rover Guarantee reimburses members of our community for costs arising from certain injuries to the Rover pet or resident pet … Joan McDermott. Pet Sitting Insurance can give you financial protection if an accident occurs and having insurance can … As a Pet Sitter, in-home Pet Boarder or Animal Minder you are responsible for the safety of guest animals and for their actions whilst they are in your care. Membership of Petsitters Alliance gives you peace of mind at an affordable price. As a pet sitter, it’s important to have full pet sitters liability insurance to protect you should anything go wrong. Insurance policies are generally a good idea for most businesses, but they are especially wise for those who engage in high-risk or high-stakes activities. We’ll talk about each of these reasons below. Many pet sitters have taken pet related classes such as pet behavior, dog training, first aid, or business courses. Get tons of great dog training tutorials, canine gear guides, and the latest doggy discounts. They want a company they can trust. It is true that you won’t have to worry about being sued because you broke a window or TV in your client’s home while caring for his or her pet. If you break something in your own home, you’ll just have to pay to get it fixed – just like you would if you broke something while playing with your own dog. court. Business insurance is designed to protect your small business from financial harm. You may just trip over a new puppy or kitten and fall onto the glass coffee table, causing it to smash. To help you get the protection you need, Pet Sitters International offers LIABILITY PROTECTION POLICIES. In this post I’ll go over the reasons why I won’t go without pet sitting insurance. By Third Party Liability; Cover for pets in your care, inc. picking up and dropping off; Cover for your spouse, partner, or close family members included ; and more ; find out more. The above question comes up often in the pet sitting business. Whether you are an independent contractor, own a pet sitting company, or are a subcontractor for other pet sitting organizations, having pet sitter insurance is a worthwhile investment. Learn which types of insurance … What is Pet Sitter Insurance + Why Would a Pet Sitter Need Insurance? Not only is pet sitting insurance important for your own protection, but it helps you stand out as a professional. We stay overnight, take the dog for a walk and feed them. The Rover Guarantee is our commitment to you in the rare instance that something goes wrong during a booking. Check with your state government’s website to determine whether you need a business license to run a pet sitting … We’ll try to help you navigate the process – just follow the steps outlined below. Frankly, these services don’t care if you get sued – they’re only interested in limiting their own liability. Just happens I do have an appointment with a business attorney this next week to chat about my liabilities as a pet sitter. This includes, but is not limited to, dog walking. What insurance do I need for pet sitting? Because of the unique risks associated with working with animals, pet business owners do have specific insurance needs. Bonding will cover any losses experienced by the client in the case that you steal or misplace some of their property. More than likely it means the next time you need a pet sitter they will be there to help you. Some will require that sitters obtain a liability insurance policy to use the service, but most do not. 13 min read Martha has been featured as a Child Care Expert in hundreds of publications across Canada including The Globe and Mail, CBC, Today's Parent and The National Post, She lives in British Columbia with her husband and two daughters. Launching a website, securing good advertising and having positive customer reviews may come to mind, but even more important than any of that is securing pet sitters insurance. This was very helpful to me. Firefox, It provides you with the coverage you need to operate your business, and it shows pet owners that you are serious about providing high quality pet care services. Clients hire pet sitters to exercise and care for their pets when they are unable to do so themselves. About becoming bonded ve navigated the insurance-policy waters below fall onto the glass coffee table, causing it to.. 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