USA 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 to individual pet sitters as well as professional pet sitting businesses.  Contact the companies directly for more details. 

If you provide pet sitter insurance, including care/custody/control, and would like to be listed, please send us an email.

Disclaimers:                                                                                                             Printable Version:  Updated 10/20/2013

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



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) One Policy available

$185 Base Rate for one member.

$10 Handling Fee
Charges are based on number of employee pet sitters. Each additional covered person (spouse, partners, employees, ICs)
+$85 each

Coverage for pet owner's home and other personal property is included in optional "Special Property of Others".  This coverage also includes bonding and theft insurance as described below in various sections.  Most sitters will add this option.
+single payment of $100

Two plans available. 

Plan I: Individual Liability

$285-$510 for business owner and spouse established legally as a sole proprietorship and with no employees only .   LLC taxed as a sole proprietorship do not qualify.  All other arrangements must instead buy the standard plan.

Plan II:  Standard plan. 

Covers business owner and all employee pet sitters.  Charges are calculated based on gross income and care/custody/control level chosen.

$335-$560 for gross income up to $30,071/year

Over $30,071 gross/year is charged using a rate scale that ranges between $3-$7 Per $1000 based on your gross income plus care custody/control fee (required) that ranges from $75 to $300.

Visit their application form for a nice rate calculator.

Multiple plans available.  

Many sitters choose the
Kennel Pro Silver
Package.  This is the basic package for Pet Sitters and Trainers.  Most of the information listed here is for that plan.

$350 base rate

If you would like additional coverage (for such things as  or higher limits, Mourer Foster has other options, both a defined plans (such as Kennel Pro Gold) and custom made plans (Platinum Kennel Pro ).

Deductible No deductible for claims, EXCEPT $500 per incident if you purposely took an unleashed animal to a dog park or outdoors unless it's in the pet owner's or pet sitter's yard with an above ground fence that will keep pets inside and people/animals outside. $100 per claim, all claims $250 for Care Custody Control Claims

No deductible on liability claims
Is there a discount available? Yes
$15 for PUPS members
Yes
10% for NAPPS or PSI Certification
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".

(cost as listed under Cost per year above)

Theft must be a criminal act.  Conviction not required.

The theft insurance included in this "Special Property of Others" coverage includes coverage the owner (see below), so the bond does not.

Optional bond available. 

Rates vary based on bond amount (from $5,000 to $50,000) and number of workers (including employees, business owner, volunteers, ICs, etc). 

$50-$250 for 1-5 workers
$75-$300 for 6-10 workers
$3 for each additional

Proof of guilt required.  Conviction not required.

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".

(cost as listed under Cost per year above)

  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.  Includes coverage for the business owner.

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 Per Occurance Each vet expense (no liability necessary)

$5000 Aggregate Vet Expense

$30,000 annually and $15,000 per occurance CCC/Animal Bailee - pets lost, stolen, injured, or killed in your care.

 

 

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 per year, not per person)

$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 (Re-key home)

$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?

If you care for horses, livestock, or show animals, it is up to you to be sure your coverage is high enough!

(covers if you are liable for damage/death/injury/illness of a pet - including vet care, property replacement, etc)

Yes
Up to $15,000 per occurrence of loss to pets. 

Maximum $30,000 annually.
Yes
You choose coverage.  Minimum is  $10,000. Add up to $275 to premium to choose higher limits up to $200,000.  Limits are per occurrence and aggregate. 
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"
Yes
Coverage included as part of care, custody, control/Animal Bailee up to chosen limit.
Yes
Effective date You determine effective date, or choose instant by paying online with a credit card.  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.

Coverage applies only to legal situations.  I.e. if you do something illegal like prescribe medications without a veterinary license, coverage does not apply.

Basically the business owner is 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.

Your children under 18 years old are covered at no extra charge.

Each other employee/IC/spouse is an additional $85. You do not need to identify each by name, just buy enough coverage to cover all employees at one time.
 
Depends on policy selected - individual policy covers just you and spouse, standard policy covers everyone over 18 that is employed by you. 
 
Yes, including employees, volunteers, spouses, & children.
 
Are under 18 year old employees covered to do pet sits alone? Yes
Minor employees of an adult owned 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, and cannot apply for insurance.
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
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? Optional Housesitting endorsement is available only if house sitting is less than 45% of business income. 
+ $100
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  Yes Yes
Is boarding / day care covered at your own home? Optional 'pet daycare' coverage available.  Required for ANY pets taken to a pet sitter home or facility. Cost is per location, and restrictions and additional requirements apply.
+ $155
Optional "Limited In Your Home Pet Care/Daycare" limited coverage available if this care makes up less than $45 of your receipts. 

Optional coverage includes up to a maximum of 5 pets in the pet sitters home, and excludes coverage for the pet sitter's own pets.

Boarding kennels and doggy daycares not not covered according to a newsletter from 10/1/2006 on the website.
+ $150

Yes
Is grooming covered? Optional 'grooming' coverage available for basic/non-professional cutting of hair, nails while pet sitting. No grooming insurance needed for brushing or bathing only.  
+ $50
Optional 'pet grooming' coverage available.
+ $50
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
Is dog training covered?

Note:

'Basic dog obedience' (sit, stay, come) that is used in direct conjunction with pet sitting work is covered.

Optional 'Pet Training' coverage available for training outside of pet sitting work.
+$155

Optional coverage does not cover training for protection, guarding, fighting, or police work. 

   Optional Pet Training coverage is available.

Contact Mourer Foster to learn about your options & available packages.

Are all animals covered? Yes
Please note that the limit per occurrence is $15,000 - you will need to determine if this is enough to adequately cover your animals (particularly horses, livestock, show animals, etc).

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 INSFAC (Insurance Facilities) United Specialty Insurance Company

Optional bond coverage through Travelers

CNA

 

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 and Business Insurers do include 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).

 

Click here to return to the PUPS Pet Sitter Insurance Comparison summary page

 

Potential Areas Covered: 
ALABAMA AL
ALASKA AK
AMERICAN SAMOA AS
ARIZONA AZ
ARKANSAS AR
CALIFORNIA CA
COLORADO CO
CONNECTICUT CT
DELAWARE DE
DISTRICT OF COLUMBIA DC
FEDERATED STATES OF MICRONESIA FM
FLORIDA FL
GEORGIA GA
GUAM GU
HAWAII HI
IDAHO ID
ILLINOIS IL
INDIANA IN
IOWA IA
KANSAS KS
KENTUCKY KY
LOUISIANA LA
MAINE ME
MARSHALL ISLANDS MH
MARYLAND MD
MASSACHUSETTS MA
MICHIGAN MI
MINNESOTA MN
MISSISSIPPI MS
MISSOURI MO
MONTANA MT
NEBRASKA NE
NEVADA NV
NEW HAMPSHIRE NH
NEW JERSEY NJ
NEW MEXICO NM
NEW YORK NY
NORTH CAROLINA NC
NORTH DAKOTA ND
NORTHERN MARIANA ISLANDS MP
OHIO OH
OKLAHOMA OK
OREGON OR
PALAU PW
PENNSYLVANIA PA
PUERTO RICO PR
RHODE ISLAND RI
SOUTH CAROLINA SC
SOUTH DAKOTA SD
TENNESSEE TN
TEXAS TX
UTAH UT
VERMONT VT
VIRGIN ISLANDS VI
VIRGINIA VA
WASHINGTON WA
WEST VIRGINIA WV
WISCONSIN WI
WYOMING WY

 

 


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