From pet sitting insurance to dog walking business insurance, Travelers provides tailored coverage for your pet … 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. This could be something as simple as a misplaced key to a client’s house, to an injury to an … The more gigs you get, thanks – in part – to having insurance, the more money you make in the long run! Start by posting a free pet sitter profile and look for open pet sitter positions in your area all from the same place. A bond would likely pay for the phone in these circumstances. 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. This includes pet sitting insurance! What are you waiting for? Work with a local member agent in the Trusted Choice network for all of your pet sitting insurance and bonding needs. Anyone who wants to open a pet sitting business can do so without any formal training, and no licensing tests are required. Do pet sitters need insurance? Learning that you may need to obtain insurance can be a bummer for many people interested in starting a pet-sitting or pet-walking business. Most good insurance policies cover these types of accidents. Accordingly, you’ll want to research the terms and conditions before signing up with any of these services. 1. Do I need pet sitting insurance? Investing in pet sitter insurance is investing in yourself as a pet care provider and investing in your business. 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 As a pet sitter, purchasing a pet sitting insurance policy helps protect your business. There is not a yes or no answer to this question . Insurance policies for pet sitters vary considerably, and the only way to know exactly how much you’ll have to pay in monthly premiums is to start obtaining quotes. 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 will not only protect you from financial loses if something bad happens, but it’ll also allow you to stop worrying about avoiding problems and focus instead on doing the best job you can. Pet sitting insurance. General Advice: Yes, Probably. Pets may have wildly different needs, so keep notes and/or files on each pet to ensure they’re getting care tailored to them. Get A Quote. Your typical pet-sitting procedures may also influence your insurance needs. Without insurance, you can … By operating a legitimate business they are not treating this as a hobby or a way to make some easy cash. There’s a lot to think about when starting your own pet-sitting business. Public liability, loss & much more. Easy, right? For example, you’ll have to figure out a way to advertise your services, you’ll need to decide how you want your website to look, and you even need to come up with a snappy name for your business. Whether you are a dog walker, pet sitter, or groomer, accommodating your clients’ needs (and schedules!) What If I Pet Sit at My Own Home vs an Owner’s Home? Here's why you need it and how to find best dog walking insurance plans. Was this answer helpful? Umbrella insurance policies help to protect you from any gaps in your coverage. BIC’s coverage includes the broadest Care, Custody or Control coverage for … By clicking “Allow” you agree to the storing of cookies on your device. The majority of pet insurance policies are taken out for cats and dogs and it’s easy to find insurers for these animals. The Rover Guarantee is our commitment to you in the rare instance that something goes wrong during a booking. 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. In a worst-case scenario, your client may place a lien on your home until you’ve paid for any damages that occurred. Note that your homeowner’s insurance policy may not cover business activities conducted in your home. For example, you may accidentally pick up your client’s phone, thinking it was yours. Pet Care Insurance Providers. This final consideration is one that causes a lot of confusion among would-be pet sitters, so we’ll try to help you decide whether you need insurance for your new business below. A number of insurance companies provide coverage for pet sitters, so this isn’t terribly difficult. But what kind of insurance do you need as a pet sitter? Public liability insurance This is probably the most vital component of any business insurance policy. 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. 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 can no longer think in terms of doing it as a favor. Joan McDermott. If you don’t already have it, give some serious considering into getting pet care insurance. Pet Sitting Insurance can give you financial protection if an accident occurs and having insurance can … We have been involved in all the aspects of workers compensation for pet sitting and IC’s. Instead of you having to reach into your pocket to pay for the damages, the insurance company will. By Check with your state government’s website to determine whether you need a business license to run a pet sitting … This typically includes lost keys, fire damage from … All pet sitting policies include general pet sitting liability insurance, which helps you with the cost of legal claims against you from injuries or damages sustained by a third party during your … Find Great Pet Sitting Jobs Today with PetSitter.com! Do Pet Sitters Need Insurance? 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. PUPS highly recommends you become and remained insured with a quality Pet Sitter Insurance provider throughout your pet sitting … You’ll likely need to obtain a business license, you may have to set up a post office box, and you may even need to sign up for an insurance policy. Because of the unique risks associated with working with animals, pet business owners do have specific insurance needs. Your current browser may cause issues that will affect the use of this site. Learn which types of insurance … Pet sitting insurance is important for pet sitters, dog walkers and dog runners. All pet owners are concerned with the safety and security of their pets. We stay overnight, take the dog for a walk and feed them. Do you need pet insurance for rabbits? 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. To offer you greater peace of mind, our Covered For Life rabbit insurance provides up to £2,000 vet fees cover per year. Given the risks driving always presents, this is an important consideration for dog sitters and walkers – particularly those who employ others. With pet sitter insurance, you immediately have an advantage over other pet sitters who are not insured. “Without needed liability coverage, sitters are taking a huge risk. Do you provide pet sitting in other people’s homes? Additionally, K9ofMine.com participates in various other affiliate programs, and we sometimes get a commission through purchases made through our links. Make sure your business - or dog - is protected. Does Location Matter? 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. A number of things can go wrong when you’re taking care of a client’s pets. Plus, you have the coverage and resources to handle any and all situations that could arise while watching their pet. What is the job outlook like for pet sitters? Both General Liability and Professional Liability coverage are included in the pet sitter’s policy. Pet sitters need several skills to be successful in their jobs. It may also pay a portion of their salary until they are able to return to work. 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. Similarly, some policies won’t cover damages that occur while you have live animals in the vehicle. To do this, you need to know as much as possible about the animals you are watching. is part of the job. Pet industry business insurance for dog groomers, boarding kennels and catteries in the pet industry. Tailored insurance for pet businesses. An insurance commissioner helps to establish and enforce the insurance requirements in their state. Pet sitting is a great choice of career for animal lovers. Whether you offer complete in-home pet care services or focus exclusively on professional dog walking, accidents can happen—and having the right insurance protects your clients, their pets, you and your business. Pet sitting insurance can provide peace of mind for both you and your customers. For better security, a more stable environment, and faster loading times, we It also … If you provide pet sitter insurance, including care/custody/control, and would like to be listed, please send us an email. 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. Well, for one if a pet sitter is bonded and insured it means they are running a legitimate business. Having insurance shows that you are a serious pet sitter and take your role seriously. There are many types of business insurance policies, from general liability insurance to workers’ compensation and more, which you may encounter. However, for pet sitters, there can be many more strands to public liability cover than other forms of work. Also, like insurance, bonding helps to project a professional appearance to potential clients, and it’ll often help you be more competitive in the marketplace. Basically, if you are bringing pets to your location, or entering clients homes, to care for an animal, then you are involved in some form of a pet sitting service. After all, you probably got into this business because you like caring for pets, not because you want to worry about things like financial liability. Apart from employers’ liability insurance (usually compulsory if you have any staff) it’s up to you to decide whether you need insurance for your house sitting business and to choose the cover you need. Insurance Policies Will Help You Land More Clients. The UK's leading pet insurance for dog walkers. What insurance do I need for pet sitting? It’s a risk that you don’t need to take,”. You may even be held personally responsible – meaning that you’ll still be expected to pay the damages, even after you dissolve the business. K9ofMine.com does not intend to provide veterinary advice. Bonding is somewhat like insurance, but it actually protects your clients, rather than you. 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. Dog Parks: To Use or Not to Use–That is the Question! What is Pet Sitter Insurance + Why Would a Pet Sitter Need Insurance? Business insurance is designed to protect your small business from financial harm. Time To Pet highly recommends that pet sitters and dog walkers carry some form of Pet Sitting Insurance to help mitigate their risk. You need to think not only in terms of a pet lover but also as a business owner. Do I Need Pet Sitting Insurance? “Without needed liability coverage, sitters are taking a huge risk. Dog Care When comparing quotes from different providers, be sure that you are making apples-to-apples comparisons. 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. Others have policies that start at around $40 a month. In fact, he breaks down for you exactly what you should be covered for when … Do I need pet sitting insurance? 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 know what you’re thinking: I would never steal anything from my clients, so I don’t need to become bonded. 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. This was very helpful to me. Once you've decided on the best coverage for your pet sitting services, you will need to review different insurance policies to determine which providers offer the best deal. 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. What do sitters need to know about the Rover Guarantee? You may just trip over a new puppy or kitten and fall onto the glass coffee table, causing it to smash. Public liability, loss & much more. Google Chrome, 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. Apply for Pet Sitter Insurance and Bonding Coverage: If you are a member of Pet Sitters International or the National Association of Professional Pet Sitters and would like to learn more about coverages and/or submit an application for pet sitter insurance … I love cats and would like to become a cat sitter. These policies were designed to take the worry and hassle out of finding reliable coverage. Insurance isn’t the only type of protection pet sitters may want to acquire. 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. Many first-time business owners don’t know where to begin. While we provide information resourced and canine education, the content here is not a substitute for veterinary guidance. Auto insurance will protect you (and potentially your employees) from any damages that arise during the business use of a vehicle. This includes coverage for lost keys, bonding, equipment breakdown, and business contents. court. This includes, but is not limited to, dog walking. What advice do you have for me please? He currently lives in Atlanta, GA with his spoiled-rotten Rottweiler named J.B. What insurance do pet sitters’ need? 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. Clients hire pet sitters to exercise and care for their pets when they are unable to do so themselves. Yes No. As a pet sitter, it’s your job to provide the best care possible for the pets you are responsible for. However, we do want to correct one common misconception new pet sitters often have: Caring for pets in your own home does not eliminate your liability. Bonding will cover any losses experienced by the client in the case that you steal or misplace some of their property. 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. Or in-home Pet Boarding? 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. Ben’s had the chance to work with hundreds of different species, but his favorite animals have always been dogs. I understand that I would need pet insurance and bonding. May 17, 2017 | 11:k AM . You will also benefit from £250 of equipment cover which can be increased up to £30,000 if required. We have guide with all the resources you'll need! You may even be legally required to obtain worker’s comp, depending on your location and the nature of your business. However, for pet sitters, there can be many more strands to public liability cover than other forms of … This includes general and professional liability as well as coverage if damage is caused to a customer’s home or contents while you are pet sitting. You may also want to think about becoming bonded. Where to Find the Best Pet Sitter Insurance. 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. Get tons of great dog training advice and tips about gear! Pet sitting insurance is important for pet sitters, dog walkers and dog runners. You can also get coverage if you are a pet groomer, dog walker, dog trainer, daycare or pet kennel. Without insurance, you can lose not only your business but also your personal property if you lose your case in How Do I Obtain a Pet Sitting Insurance Policy? Pet sitting is a responsible job, and many owners appreciate a sitter who has specialist insurance. Pet sitting is more than taking dogs on walks or practicing pet behavior training. They want a company they can trust. Some insurers can cover injury to pets, as part of your public liability insurance. This requirement includes pet sitters. We’ll try to help you navigate the process – just follow the steps outlined below. If you aren’t completely clear on any details of a policy, make sure you ask questions until you understand the policy completely. Top 5 Adorable Cat & Dog Videos You’ve Got to Watch! Disclaimers . That’s a great responsibility. Public liability insurance. 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. Just like any other small business, there are business expenses for pet sitters. For example, will you be walking the pets at a local park or in your backyard? Professional United Pet Sitters LLC is not a ffiliated with any pet sitter and dog walker liability insurance companies, including the ones listed below. 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. And any disruption can bite into your cash flow. 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. Business Insurers of the Carolinas has been providing General Liability Insurance specifically designed for pet sitters since 1995. Membership of Petsitters Alliance gives you peace of mind at an affordable price. You’ll just have to review the policy carefully to determine what is and is not covered. Different companies charge different rates and design their policies in different ways. You’ll need to carefully research the laws in your state and any current insurance policies you have to determine how location will affect your insurance needs. This includes the obvious stuff, like walking the dog, feeding and watering, and providing some interaction while the pet parent is away. The General Liability Insurance for pet sitters arranged by Thimble is designed to respond to incidents … A lot of pet sitters are using referral services, such as Rover or Wag, to help find and book clients. Get tons of great dog training tutorials, canine gear guides, and the latest doggy discounts. April 2, 2019 If any of these things happen, you may find yourself on the receiving end of a court summons. 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. Public liability insurance for house sitters. Some will require that sitters obtain a liability insurance policy to use the service, but most do not. Starting up your very own pet sitting business can be challenging. As a pet sitter, it’s important to have full pet sitters liability insurance to protect you should anything go wrong. Pet sitters commonly provide dog walking services. Just note that most insurance policies will not become active until you pay your first premium, so write a check and get it in the mail (or pay via the website, if possible). Don’t just compare the differences in monthly premiums. But you may find yourself in hot water if your client’s dog becomes injured while visiting your home. 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). 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. Not all states require pet sitters to be licensed, although a pet sitting business must be registered with the state. Frankly, these services don’t care if you get sued – they’re only interested in limiting their own liability. To get specific information about pet insurance coverage and application requirements, talk to your insurance provider. Get exclusive access to the most relevant, must-read pet care articles. Allow you to obtain quotes directly from their website grooming, pet sitters and walkers – particularly those employ. So, you accidentally drop the phone in these circumstances available, and some will that. Purchases made through our links – to having insurance, you need to obtain one are two primary that. 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