Pet sitting insurance coverage – Do you requirement it?
Do I requirement pet sitting insurance?
I offer expert pet sitting with my service in San Diego called Run That Mutt.
Pet sitting insurance coverage is crucial for pet sitters, pet dog walkers as well as pet dog runners. Not only is pet sitting insurance coverage crucial for your own protection, however it assists you stick out as a professional.
In this publish I’ll discuss the reasons why I won’t go without pet sitting insurance.
Why pet sitting insurance coverage is crucial for pet sitters
Property damage/injuries
Any accountable pet sitter will bring insurance coverage for her own protection. As a pet sitter, you will be working with animals on somebody else’s property. Pet sitting insurance coverage will cover instances (up to a specific amount) such as:
Property damage you inadvertently cause to a client’s property
Property damage the pet triggers while under your care
Medical costs if the pet is injured while under your care
Medical costs if the pet injures somebody else while under your care
Key as well as lock replacement if you lose a client’s key
Of course, you will requirement to inspect with each certain insurance coverage business as well as the certain policy to make sure you comprehend what is or isn’t covered.
What doesn’t pet sitting insurance coverage cover?
Each certain business as well as policy will be different. right here are some instances that pet sitting insurance coverage normally does not cover:
Medical costs if you (the pet sitter) are injured while taking care of a client’s pet
Medical costs if your spouse or service partner is injured while taking care of a client’s pet
Medical costs if an worker or contract worker is injured while taking care of a client’s pet
Sometimes pet sitters are under the perception that their pet sitting insurance coverage will cover their medical costs if they are bitten by a dog. This is normally not the case. For example, I selected to seek medical interest in one instance because of a pet dog bite. I utilized my personal health and wellness insurance coverage for this instance since I understood it would not be covered by my pet sitting insurance.
This is why you must have pet sitting liability develops for all your clients to sign.
Pet sitting liability forms
Your pet sitting liability type must specify that the client will be accountable for all medical costs if his or her pet dog bites you (the pet sitter) or injures you in any type of other way. This is where you would likewise include your policies for vaccination records, what you will perform in emergencies, etc. For your own protection, do not care for a client’s pet up until he or she indications your liability contract.
*Purchase a copy of my editable liability contract here.
What do pet sitters indicate when they state they are “bonded” as well as insured?
When you see pet sitting business declaring they are “bonded” as well as insured, it indicates the service owner is covered in situation an worker or contract worker steals or is accused of stealing from a client. In other words, it is additional security for the pet sitter.
Bonding is not needed if you do not have any type of workers or contract workers. often bonding is included in the general pet sitting insurance coverage policy, as well as often it is bought separately.
How much does pet sitting insurance coverage cost?
Pet sitting insurance coverage is about $180 to $240 per year, depending upon the business as well as plan you choose. You will pay a lot more if you requirement protection for a spouse or employee. You may likewise requirement to pay a lot more if you want to include protection at your own house for pet dog daycare or if you plan to offer pet dog training or grooming.
Tips to keep in mind when selecting a pet sitting insurance coverage company
Some business fee an extra “membership” charge in addition to the expense of the insurance
Don’t select a pet sitting insurance coverage business that discriminates against specific breeds or kinds of dogs.
Best of luck to you with your pet sitting business!