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Canada
Dog Walking & Pet Sitting Business Insurance Comparison Chart
by
Professional
United Pet
Sitters LLC
The
following
companies are known to provide quality pet sitting insurance.
Contact the companies directly for more details.
If you
provide pet
sitter insurance (or know of a provider that does) including care/custody/control, and would like to be
listed, please send us an email.
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Disclaimers:
Printable Version: Updated Oct 30, 2011
Professional
United Pet Sitters LLC
is
NOT affiliated with any pet
sitter and dog walker liability insurance
companies, including the ones listed below.
No
pet sitter insurance is included with membership to PUPS.
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.
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
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|
Provided
through:
|
Binks |
Verge
/ Canadian Pet Pro |
Horizon
|
| Website |
www.binks.ca |
www.canadianpetpro.com |
www.acpsn.com |
| Cost per year (annual) |
$600
Base Rate per year plus PST for up to 3 persons. Larger
operations are charged a bit more
|
$600 per year plus fees and taxes. Monthly pay
option also available for 3% service fee.
|
ACPSN:
New members not being accepted according to message on ACPSN website on Oct 30,
2011. Check their website or call Aviva directly.
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| You must be a member of |
PSI
(CA
membership)
+ $125/year
|
None
|
| Is there a discount
available for
certification? |
10% credit available upon receipt and review of
certificate. |
No |
Is bonding available?
Covers the client in case a sitter steals from
the
home.
Bonding generally applies only when subject
is convicted of theft in criminal court or proven guilty of a crime.
Restitution may be sought by the insurance company.
Note: be sure the policy includes
coverage for the business owner. |
Yes
Includes
third party bonding of $15,000
(Both
employees and IC's).
|
Yes
Includes
$20,000 third party
dishonesty bond.
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|
| Is theft insurance
available An alternative to
bonding. Restitution is not sought by the insurance company. |
No |
Yes |
|
| Liability limits |
$2,000,000
Commercial General Liability
$5,000,000
Annual Aggregate
$2,000,000
Personal/Advert. Inj
$2,000,000
Products/Completed Ops
$2,000,000
Non-owned Auto
$500
Lost Key
|
$2,000,000 Commercial
General
Liability, including in client's home
$50,000
Pets in your care
$5,000
Business Property, can be
increased.
$500 Lost Key
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Is care, custody, and
control /
Animal Bailee included?
(covers
if you
are liable for damage/death of a pet - including vet care, property
replacement, etc) |
Yes
Limit of $500,000, which includes damage caused to ALL client's personal
property. |
Yes
Website says: $50,000 Pet in Your Care (500,000 any one occurrence) |
|
Is there coverage for
claims with no
pet sitter negligence?
(this can be used
if you need to take the pet to the emergency vet and the client is
unwilling to reimburse you for the visit) |
Yes
Subject to Voluntary Property Damage terms. Low limit. Contact Binks
for more information. |
No |
|
| Effective date |
Unknown |
Unknown |
|
| FAQ |
FAQ |
FAQ |
|
Are ICs, spouse &
employees
covered
Note:
ICs should always get their own coverage in the own business name
separately through their own business. It is best
for you to also cover them also with your policy through your business. |
Yes
You are covered for anyone acting on your behalf. |
Yes
Each must
be bondable |
|
| Are under 18 year old
employees
covered to do pet sits alone? |
Yes |
Unknown |
|
Can I bring my kids to
sits?
Note
- insurance
coverage does not include injuries or damage to the children or the
children's property. |
Yes
|
Unknown |
|
| Do I lose coverage if
I place a
certain # of claims? |
No
Discontinuation is based on nature and frequency of claims. |
Unknown
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| Deductible |
$500 Property Damage/No
Negligence
$500 Voluntary Property Damage (No negligence medical) |
$500 to business property |
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| Medicating covered |
Yes
Exception: Professional pet medical service providers (RVT, CVT, CVA, etc) must
add on Malpractice Liability extension for additional fee. |
Yes
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| Is housesitting (No
pets) coverage
available/included? |
Yes
Must be incidental to overall pet-sitting operations. |
Yes |
|
Is pet taxi covered?
Note: NOT auto-insurance; just coverage for pets. |
Yes |
Yes |
|
| Are overnights at the
client's home
covered? |
Yes |
Yes |
|
| Is boarding / day care
covered at
your own home? |
Yes
...but
if your operations are more
like a kennel, Binks will arrange coverage differently.
|
Yes |
|
| Is grooming covered? |
Yes
Must be incidental to overall pet-sitting operations. |
Yes |
|
| Is poo scooping only
service (no pet
sitting) covered? |
Yes
Must be incidental to overall pet-sitting operations. |
No |
|
| Are all animals
covered? Note:
most policies only cover animals NOT used by the client for profit or business. |
Yes
...but horses and/or rare/exotic animals care should be occasional only. |
No
Household pets
are included.
Coverage
excludes: farm animals, exotic animals, and animals prohibited as household
pets by law.
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| Is online listing
available |
No
A
listing is included with your
membership to PSI on their website.
|
No
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| Insurance Provided By |
Intact
Insurance Company
|
Unknown |
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| Additional
Information:
Injury
to yourself or your personal belongings (including pets)
As far as we know, no Pet Sitter insurance covers harm to yourself,
people you bring along, personal pets you bring along or your personal
/ business belongings.
If
you are hurt in a client's home, this would something that would
usually be covered by Worker's Compensation. Many business
owning sitters do not have worker's comp for themselves (and some are
not allowed to get it in their states to cover THEMSELVES), but must
have it for their employees. So you will want to consider
looking into a worker's comp plan for yourself to cover
injuries acquired on the job. Or start a big savings account
for emergencies!
The
vast majority of regular health insurance providers do NOT cover
injuries acquired while on the job.
You
can try to sue a client for injuries acquired do to their
negligence. For example, if the roof caves in on
your head, you could probably sue for your injuries. The
client's personal insurances may cover these situations.
Injuries
to yourself acquired from a pet in your care, under a pet sitting
contract, may be entirely your responsibility. Some states
regulate that once you agree to take control of the pet by caring for
it, you are entirely responsible for injuries caused by the pet to
others or yourself. Your Pet Sitter insurance will cover
injuries to others (up to the limit), but not to your own
person. Other states have different standards, so you could
try to sue the owner and hope for the best.
As a side note, if a client pet (or any wild animal for that matter)
bites you and you report it to a doctor, by law most if not all have to
report it to the state. Police will likely come to take
information, and may take the dog/cat, no matter what the
circumstances. Vicious and dangerous hearings may
result. So obviously, don't lie and tell a doctor your own
pet bit you to hide the truth!
Another
side note - if you get bit and need a stitch or 2 and some antibiotics,
it will cost lots - a lot more than you expect if you are used to
having health insurance. So just step back and rethink twice
if you are a little nervous about any animal. It's certainly
not worth the cost!
Negligence
Required
Pet Sitter insurance generally covers you ONLY if you were negligent in
your duties. If something is beyond your control, you are not
covered or liable. For example, if a broken sink starts to
leak and you haven't touched it, you are not responsible.
There are a lot of fuzzy areas, and the pet sitter insurances above (at
least the first 2) have a good track record of sorting out fuzzy items.
Exception:
PSA does include limited vet coverage for non-negligent situations as
listed in the chart.
Considering
a Claim
Consider placing a claim even if you think you are not
covered. Adjusters have the job of finding out what your
coverage really is, so it can't hurt to file a claim (unless you are
filing many and are about to get dropped).
Potential
Areas Covered: Alberta, British Columbia, Manitoba, New
Brunswick, Newfoundland and Labrador, Nova Scotia,
Ontario, Prince Edward Island, Quebec, Saskatchewan, Northwest
Territories, Nunavut, and Yukon.
Click
here to return to the PUPS
Pet Sitter Insurance Comparison summary page
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