|
Provided
through:
|
PSA, Pet
Sitter Associates LLC
|
Business Insurers of
the Carolinas
|
Mourer-Foster,
Inc.
|
| Website |
www.petsitllc.com |
www.petsitterinsurance.com |
http://www.kennelpro.net |
| You must be a member of |
PSA (free membership) |
PSI or
NAPPS.
+ $140/year PSI, or
+ $160/year NAPPS
|
None |
| Cost per year (annual) |
$174 Base
Rate for one member.
Each additional covered person
+$80 each
Coverage for pet owner's home and
other personal property is included in optional
"Special Property of Others".
+$100
|
Two plans
available.
$274-$499 base rate
for individual policy.
Starting at $325
base rate for standard policy (covers multiple employees, and rates
dependent on gross income). |
Multiple
plans
available.
The
program listed below is the
Kennel Pro Silver (Pet Sitters & Dog Daycare) Package.
$350 base rate
Other
plans available are the custom
tailored Platinum Package, and the Gold Package (kennels).
|
| Is there a discount available for
certification? |
No |
Yes
- 10% |
No |
Is bonding available?
Note:
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. |
Bond available
Included as part of optional
"Special Property of Others".
(+ $100,
listed above)
Conviction
not required - but it must
be a criminal act.
Bond does
not include the business
owner or operators.
|
Optional bond
available
Includes coverage for business owner, employees, officers, owners, ICs,
and volunteers.
+ $50 to about $400
based on chosen limit and number of employees.
Conviction not required - just proof needed. |
Yes,
$5,000.00 bond ( 5 employees or
less including owner ) the annual premium is
+
$100.00 for $5,000
+$101.00
for $10,000.00
+$150
for $25,000
|
| Is theft insurance available |
Yes
Included as part of optional
"Special Property of Others". It includes coverage for theft,
accidental breakage and mysterious disappearance.
They will defend you in court if a client claims you have stolen from
them.
(+ $100, listed above) |
No |
Yes
Optional
coverage is available at an
additional charge.
|
| Liability limits |
$2,000,000 Annual Aggregate
$1,000,000 Each Occurrence
$5000 Medical Expense
$1,000,000 Personal/Ad Inj
$2,000,000 Products/Completed Ops
$100,000 Fire
$5000 Medical
$2000 Lost/stolen key
$1000 Each vet expense (no liability
necessary)
$5000 Aggregate Vet Expense
$10,000 CCC/Animal Bailee
Coverage for
damage to client's
property is optional.
IMPORTANT:
You must add the optional 'Special Properly of Others" to cover things
like accidental breakage or damage to the client's
property (such as household
items) caused by you / your children / employees & ICs.
(+ $100, listed above)
|
$2,000,000 Annual Aggregate
$1,000,000 Each Occurrence
$5000 Medical Expense
$1,000,000 Personal/Ad Inj
$1,000,000 Prd/Completed Ops
$100,000 Fire
$2500 Lost Key
$10,000+ CCC/Animal Bailee
Coverage for damage to client's
property is included.
|
$4,000,000 Aggregate
$2,000,000 Each Occurrence
$5000 Medical Expense
$2,000,000 Personal/Ad Inj
$4,000,000 Prd/Completed Ops
$300,000 Fire to rented premise
$10,000 Medical Expenses
$10,000 CCC/Animal Bailee
Coverage for damage to
client's
property is included.
|
Is care, custody, and control /
Animal Bailee included?
(covers
if you
are liable for damage/death/injury/illness of a pet - including vet
care, property replacement, etc) |
Yes
Up to $10,000 per occurrence of loss to pets.
Note: That's not enough to cover some horses, livestock, and
show animals. |
Yes
You choose coverage. Minimum is $10,000. Add up to
$275 to premium to choose higher limits up to $200,000. Per
occurrence. |
Yes
$10,000 per occurrence,
Higher Limits Available.
Medical or Replacement. |
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
Limited care of pet is included as "Each Vet Expense" |
No |
Yes |
| Effective date |
You determine
effective
date. The earliest your membership and insurance will take
effect is the date of postmark on your envelope. |
Policies are
only issued effective
the first of each month. If received after the cutoff date
(near the first of the month), your policy will not be effective until
the first of the next month. |
Any date you
wish to begin
coverage. You can call to ask for instant coverage. |
| FAQ |
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. |
Basically you
are covered under the
base rate.
Limited temporary help, which is generally help you pay less than $600
per year, is also covered with no extra charge.
Each other employee/IC/spouse is an additional $80. You do not need to
identify each by name, just buy enough coverage to cover all employees
at one time.
Coverage applies only to legal situations. |
Depends on
policy selected -
individual policy covers just you and spouse, standard policy covers
everyone over 18 that is employed by you.
Coverage applies only to legal situations. |
Yes,
including employees, volunteers,
spouses, & children.
Coverage applies only to legal situations. |
| Are under 18 year old employees
covered to do pet sits alone? |
Yes
Minor employees of an adult own business can be covered as regular
employees.
PSA will not sell insurance to minors who wish to be self-employed as a
business owner. The business owner (the one getting clients
and setting up the contracts with clients) must be over age
18. |
No
Children under 18 are not covered. |
Yes |
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
You may bring your minor child to pet sits (whether they are helping
you or just tagging along) and your coverage will apply. |
No
Children under 18 are not covered. |
Yes |
| Do I lose coverage if I place a
certain # of claims? |
No
They are reasonable - if you are a bad sitter who doesn't work with
them on your claims or who puts yourself at risk for more claims,
they'll drop you. Otherwise they work with you. |
Yes
After
3 claims, you are automatically
dropped. You may be dropped earlier based on severity of
claims.
|
None |
| Deductible |
No deductible
for claims, EXCEPT $500
per incident IF you purposely took an animal outdoors:
Not on a leash, outside of it's own "above ground fence that will keep
pets inside and people and other animals outside"
Not on a leash, inside of any unfenced yard
Not on a leash, inside of any invisible fence.
|
$100 per
claim, all claims |
$250 for Care
Custody Control Claims
No deductible on liability claims |
| Medicating covered |
Yes
Only if it's legal in your state. |
Yes
if
legal in your state (as prescribed
& directed by vet & client only)
|
Yes |
| Is housesitting (No pets) coverage
available/included? |
Yes
Maximum income from house sitting must be less than 25%, and be
"incidental" to your business. |
Optional
Housesitting endorsement is
available only if house sitting is less than 45% of business
income.
+ $100 |
Yes |
Is pet taxi covered?
Note:
No auto-insurance is included - just coverage for the pet |
Yes |
Yes |
Yes |
| Are overnights at the client's
home
covered? |
Yes
At a client's home. |
Yes
At a client's home. |
Yes |
| Is boarding / day care covered at
your own home? |
Optional
'kennel' coverage
available. Required for ANY pets taken to your home.
+ $165 |
Unknown |
Yes |
| Is grooming covered? |
Optional
'grooming' coverage
available.
+ $105 |
Optional 'pet
grooming' coverage
available.
+ $100 |
Yes |
| Is poo scooping only service (no
pet
sitting) covered? |
Yes
PSA is promoted by major Poop-scooping only organizations. |
No
Poop scooping only businesses are not covered. Poop scooping
only for clients is not covered (you must be providing pet sitting
services also to the particular client be covered). |
Yes |
| Are all animals covered? |
Yes
Please note that the limit per occurrence is $10,000 - which may not be
enough to cover some horses, livestock, show animals, etc adequately.
Foster pets and visiting animals are covered. |
The PSI March
2006 newsletter says
they cover "all animals through 'zebras' as long as they are truly
client's pets."
Examples of non-pet situations: A horse breeding or showing farm, or a
milking barn. Anything that provides income to the owner is likely not
covered. |
Yes
Note that Mourer Foster will strictly reject coverage to sitters who
provide farm / large animal / horse care as more than an occasional
part ("small percentage") of their business. If you have 'equine' or
'horse' in your business name, you are likely to be rejected.
Additional
coverage is available for
horses.
Foster pets and visiting relative/friend pets are covered.
|
| Is online listing available |
Optional
PetSitFinder.com
+ 10 |
No
(Listing is included with required membership to PSI or NAPPS on their
locators) |
No |
| Insurance Provided By |
Essex
Insurance |
Century
Surety Company |
CNA |
