Pet Sitter Insurance Comparison Charts

Pet Sitter liability insurance is very important to all pet sitting / dog walking / poop scooping businesses. PUPS highly recommends you become and remained insured with a quality Pet Sitter Insurance provider throughout your pet sitting or dog walking career. 

At PUPS we do not endorse any particular company, as we find they all have good ratings and different features that suit different sitters needs.  You can use the comparison charts provided for your country in order to decide which of the major providers is the best fit for your business. 

Be sure to check back yearly, as rates and features do change, just as your business needs change.

 

Disclaimers

Professional United Pet Sitters LLC is not affiliated with any pet sitter and dog walker liability insurance companies, including the ones listed below. 

Professional United Pet Sitters LLC does NOT offer or endorse ANY Pet Sitter insurance, business insurance, health insurance, or bonding. 
 

Pet sitter insurance companies are listed below for your convenience only. 

No pet sitter insurance is included with membership to PUPS.

 

Professional United Pet Sitters LLC, PetSits.Com, Happy At Home Pet Sitters, and the owners are not liable for errors in or related to information presented here.   Please contact the companies directly for more current information.  The information listed is the limited understanding we have based on the info we’ve received.  It may be right, or it may be inaccurate.  Or the insurance may be changing while we speak.  This is just for information purposes only, and we can not and do not guarantee the accuracy in any way at any time. We are not personally or professionally affiliated with any insurance listed below.   www.PetSits.Com


How to choose a pet sitting insurance provider

1.  Click on your country in the comparison chart below, and print the chart.

2.  Decide which features are most important to your business, and highlight the companies that provide these features.

3.  Determine the final price for the companies that provide the features you require.

4.  Visit the websites of your final candidates to see if there have been any changes in coverage or price.

5.  Sign up for coverage.  Many of the providers listed do allow you to sign up right online or by mail.

 

***Important Notes***

In this area we detail pet business insurance companies we've seen that provide coverage for pet sitter and dog walker liability needs.

 

We've tried to list only insurers that include Care, Custody, and Control (or 'Animal Bailee') of pets, including in their OWN homes, in base coverage1

 

Many, if not most, OTHER insurance companies will NOT include CCC.  Some may offer CCC as an expensive extra endorsement.  But please be warned, the latest twist we've heard as of 10/9/2007 from a well known US general insurance provider is that the CCC coverage of some local agents ONLY covers pets brought to a business property as the 'primary place of business' (ie. a pet sitter's own home) and not in client homes.  And this limitation was not properly explained to some sitters who had asked for confirmation.

 

That is why most pet sitters use specialized pet sitter specific companies & policies.  However, feel free check with your local company to see what they offer.  Local company coverage, such as State Farm and American Family, can vary based on location and may be able to provide you with the appropriate coverage.  Just be sure to see the details of the CCC coverage in writing, and apply to client's homes.


1In 2016 a provider who did qualify asked to have their information to removed, and this request was honored.

 

Please note, our experience has been that insurance reps frequently do not know their policies perfectly, and DO give incorrect answers frequently.  We recommend you get all clarifications in writing, and you review the policy details yourself whenever possible. 

line

Comparison Charts by Country  (Click country name to view chart)

USA Pet Sitter / Dog Walker Insurance Comparison Chart <=== Click Here

Chart above includes comparison of:
  • Pet Sitters Associates LLC (PSA) Association & Insurance
  • Mourer-Foster KennelProPrograms
  • Veracity Insurance

Canada Pet Sitter / Dog Walker Insurance Comparison Chart <=== Click Here

Chart above includes comparison of:
  • Binks, Associated with PSI
  • Verge / Canadian Pet Pro
  • PROfur

Australia 

U.K. Pet Sitter / Dog Walker Insurance Comparison Chart <=== Click Here

Chart above includes comparison of:
  • NARP
  • Pet Business Insurance
  • Cliverton
Others in the United Kindgom that may offer customized Pet Sitting / Dog Walking coverage: line

A note about worker compensation coverage

We are not versed in the ins and outs of Worker's Comp by any means.  But we did want to mention a few things:

  • Some states require that you carry worker's comp for your employees.  This includes ICs who under the labor laws are actually employees, not ICs.  If you have hired help, please contact your State Department of Labor to find out if Worker's Comp coverage is required for your specific situation.  These requirements vary by state - some require WC only if you make a certain amount, or if you have X number of employees.  Other states do not require WC at all.  So be sure to thoroughly check your state's requirements, as fines for NOT doing it properly can be large.

  • Even if WC is not required, consider it for your employees.  Doctor & Hospital bills from a work related injury are NOT covered by most health insurance policies.  So the business owner can often be directly responsible.

  • Some WC providers provide WC coverage that does NOT cover the business owner, and only covers employees.

  • The price of WC varies by state, but can also vary by your "classification".  Pet Sitting often doesn't have it's own classification - and pet sitters are usually lumped with "Vets" or "Home Services" or other groupings.  Be sure to encourage your provider to put you in the right group that provides the LOWEST rates.  Other sitters have been successful in getting Pet Sitting reclassified in their states, so don't give up if your rates are too high!

  • Workers Comp is not Disability or Health Insurance.  It only covers work related conditions.  Sometimes it is difficult to PROVE an injury (such as carpal tunnel from typing too much) is directly work related.  So it is to your advantage to have separate Disability and Health insurance also.  WC is also not Pet Sitter Insurance, or Umbrella insurance - those are not related.