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Why do pet sitters need insurance?
Caring for a client’s pet is a big responsibility. If a cat runs away or a dog is injured, you could face a lawsuit. Pet sitter insurance protects against the unique liabilities of running a small pet sitting business, including lawsuits filed by pet owners and medical costs from injuries.
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What types of business insurance do pet sitters need?
These insurance policies cover the most common risks of pet sitting.
General liability insurance
This policy covers basic risks, such as accidental pet injuries or customer property damage. Bundle with commercial property insurance for savings in a business owner’s policy.
BEST FOR
- Accidental pet injuries
- Customer injuries
- Damaged client property
Business owner’s policy
A business owner’s policy, or BOP, is a cost-effective way for pet sitters to buy commercial property insurance and general liability coverage together.
BEST FOR
- Accidental bodily injuries
- Damaged or stolen business property
- Libel and other advertising injuries
Errors and omissions insurance
E&O covers legal expenses related to work performance, such as a lawsuit over a pet injury from alleged negligence. It's sometimes referred to as professional liability insurance.
BEST FOR
- Missed pet sitting appointments
- Accusations of negligence
- Mistakes that cause a pet’s injury
Workers’ compensation insurance
Most states require workers' comp for pet sitting businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Cyber insurance
This policy helps pet sitting businesses recover financially from data breaches and cyberattacks. It's recommended for any small business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
Commercial auto insurance covers the cost of an auto accident involving a vehicle owned by a pet sitting business. Each state has its own auto liability insurance requirements.
BEST FOR
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does pet care business insurance cost?
A small business with a few pet sitters will pay less for insurance than a larger company.
Factors that affect premiums include:
- Pet care services offered, such as pet day care or dog walking
- Business property and equipment, such as kennels
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get pet sitting insurance?
It's easy to get business insurance and fidelity bonds for professional pet sitters if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your pet sitting business, whether you work independently or hire employees.
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