do pet sitters need insurance

Choose a policy and pay your first premium. 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. To do this, you need to know as much as possible about the animals you are watching. Let us know how you’ve navigated the insurance-policy waters below! Check with your state government’s website to determine whether you need a business license to run a pet sitting … Ben Team © Copyright 2021 by K9 Of Mine / Marrsipan Media LLC |, Best Cities for Dogs: Where to Move With Fido. “An employee dishonesty bond is typically what you’re going to need, paired with the liability insurance to be adequately covered as a pet sitter or dog walker.” A bond is not insurance, but it will protect the client and it will protect you, the pet sitter or pet sitting … 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. Your current browser may cause issues that will affect the use of this site. Accordingly, it is usually wise for dog walkers – as well as anyone who works in a pet-care field – to obtain a liability policy. Auto insurance will protect you (and potentially your employees) from any damages that arise during the business use of a vehicle. Pet sitters need several skills to be successful in their jobs. Worker’s compensation insurance (often simply called “worker’s comp”) is an insurance policy that covers the costs employees may incur if they become injured while on the job. This requirement includes pet sitters. To help you get the protection you need, Pet Sitters International offers LIABILITY … Google Chrome, I will not have any employees however personal thief is a concern as it appears we are in an entitled age and lawsuits a plenty. As you can see, having this type of coverage will ensure you and your business are covered for any event while an animal is in your care. 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. Once you’ve obtained a few quotes, it is time to compare the options available! Public liability insurance for house sitters. What are you waiting for? A lot of pet sitters are using referral services, such as Rover or Wag, to help find and book clients. In this post I’ll go over the reasons why I won’t go without pet sitting insurance. Easy, right? 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. The above question comes up often in the pet sitting business. Get exclusive access to the most relevant, must-read pet care articles. But what kind of insurance do you need as a pet sitter? It’s a risk that you don’t need to take,”. Dog Parks: To Use or Not to Use–That is the Question! Insurance for dog walkers and pet sitters is a must! These policies were designed to take the worry and hassle out of finding reliable coverage. Be sure to check back yearly, as rates and features do change, just as your business needs change. Get tons of great dog training advice and tips about gear! Anyone who wants to open a pet sitting business can do so without any formal training, and no licensing tests are required. Many pet sitters have taken pet related classes such as pet behavior, dog training, first aid, or business courses. 13 min read Without insurance, you can lose not only your business but also your personal property if you lose your case in Instead of you having to reach into your pocket to pay for the damages, the insurance company will. Pet Sitter Insurance Providers . 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. What insurance do pet sitters’ need? 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 a worst-case scenario, your client may place a lien on your home until you’ve paid for any damages that occurred. 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. You have successfully joined our pup pack. Different companies charge different rates and design their policies in different ways. You may even be legally required to obtain worker’s comp, depending on your location and the nature of your business. 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. The Rover Guarantee is our commitment to you in the rare instance that something goes wrong during a booking. Pet owners can choose from dozens – and, in some cases, hundreds – of pet sitters in major metropolitan areas. In fact, it may even increase it in some cases. And, if you don’t have an insurance policy or a substantial bank account to pay for the damages, you may ultimately be forced to go out of business because of the lawsuit. There’s a lot to think about when starting your own pet-sitting business. Well, for one if a pet sitter is bonded and insured it means they are running a legitimate business. Liability insurance policies are typically comprehensive, but they may not cover some loses. court. Whether you are a dog walker, pet sitter, or groomer, accommodating your clients’ needs (and schedules!) This could be something as simple as a misplaced key to a client’s house, to an injury to an … Disclaimers . For example, you may accidentally pick up your client’s phone, thinking it was yours. Just like any other small business, there are business expenses for pet sitters. 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. You need to think not only in terms of a pet lover but also as a business owner. 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 … Work with a local member agent in the Trusted Choice network for all of your pet sitting insurance and bonding needs. You may need pet sitter insurance if you own any type of pet service business. 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. Being bonded and insured is a vital part of owning a pet-care business. Not all states require pet sitters to be licensed, although a pet sitting business must be registered with the state. Speak with an insurance agent or attorney if you have any questions. This includes, but is not limited to, dog walking. Get an insurance policy by the hour, day, or month in 60 seconds. In fact, he breaks down for you exactly what you should be covered for when … There are a variety of referral services available, and they all have different policies regarding insurance. While we provide information resourced and canine education, the content here is not a substitute for veterinary guidance. Time To Pet highly recommends that pet sitters and dog walkers carry some form of Pet Sitting Insurance to help mitigate their risk. However, when you are looking after an array of pets from cats and dogs to rabbits and birds, an accident is just waiting to happen. Pet sitting insurance is important for pet sitters, dog walkers and dog runners. If you don’t already have it, give some serious considering into getting pet care insurance. K9ofMine.com does not intend to provide veterinary advice. This typically includes lost keys, fire damage from … I understand that I would need pet insurance and bonding. Fortunately, many of these things are pretty fun to think about. Pet Sitter liability insurance is very important to all pet sitting / dog walking / poop scooping businesses. May 17, 2017 | 11:k AM . Some (including Rover) do provide some insurance coverage to clients who book services through the company, but the nature of the coverage varies wildly from one business to the next. The UK's leading pet insurance for dog walkers. Dog walking insurance from Pet Business Insurance. I love cats and would like to become a cat sitter. Pet sitters should consider pet sitting insurance. Dog Care 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. There is not a yes or no answer to this question . Insurance for Pet Sitters All pet sitters and their clients need the reassurance of good insurance cover. And we all know there is a lot that could go wrong when pet sitting – from pets running away, biting someone, falling ill, and many other situations – all of which you are responsible for when caring for a person’s pet. I need to supplement my income. Get tons of great dog training tutorials, canine gear guides, and the latest doggy discounts. You will also benefit from £250 of equipment cover which can be increased up to £30,000 if required. However, you’ll be glad you obtained an insurance policy if something bad ever happens while you’re on the job, as the only difference between a successful business and one that has to close its doors often comes down to insurance. PetSitter.com is the #1 way pet parents find loving pet sitters, walkers, and boarding. Pet sitters do not need a license to operate, although acquiring a business license is advisable, but not necessary. After all, there are a lot of things to think about. Public liability insurance. Customers are looking for someone who takes their job professionally and can treat their home and pets with great care. However, for pet sitters, there can be many more strands to public liability cover than other forms of … But there are also a number of things you’ll have to figure out that are less fun. 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. From pet sitting insurance to dog walking business insurance, Travelers provides tailored coverage for your pet … Having insurance shows that you are a serious pet sitter and take your role seriously. Most good insurance policies cover these types of accidents. 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. You have a couple of worries on this subject . Professional United Pet Sitters LLC is not a ffiliated with any pet sitter and dog walker liability insurance companies, including the ones listed below. 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. 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. 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. Without insurance, you can … You may even be held personally responsible – meaning that you’ll still be expected to pay the damages, even after you dissolve the business. A number of things can go wrong when you’re taking care of a client’s pets. Bonding will cover any losses experienced by the client in the case that you steal or misplace some of their property. When comparing quotes from different providers, be sure that you are making apples-to-apples comparisons. Your typical pet-sitting procedures may also influence your insurance needs. Many first-time business owners don’t know where to begin. Obtain quotes from a few different insurers. Liability insurance is the first type of insurance policy most dog sitters – particularly those with new businesses – should obtain. 1. Does Location Matter? Business Insurers of the Carolinas has been providing General Liability Insurance specifically designed for pet sitters since 1995. Bonding, equipment breakdown, and they all have different policies regarding insurance sitters – particularly those who employ.! Provide an attorney to plead your case in court if your client ’ s includes... 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