Business insurance

Are you a sole proprietorship, partnership, LLC, or S or C Corporation? Do you have a DBA (doing business as)? Have you changed your business name or moved from a sole proprietor to an LLC, or added a DBA? Folks, all of the above can really affect your insurance, so let's take a look at why it's super important to make sure you have this correct with all your insurance companies.

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Most of you are aware of the many optional endorsements available under the PSI Liability policy, including In-Home Boarding/Daycare, Dog Training, Pet Grooming, and House Sitting, but did you know we now offer separate policies specifically for other types of Pet related services such as Therapy Dog Handlers and Pet Food/Treats Distributors and Manufacturers? Both of these products are unique in scope so for this briefing, I would like to share what each covers and what is required in underwriting to obtain a policy at reduced rates.

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As the Pet Sitting world evolves, there seem to be more and more people coming into the field looking to make a quick buck, without realizing the importance of covering all their exposures if something were to go wrong. It's amazing to me how online registries advertise to pet owners and pet care providers that they offer Premium Insurance using terms such as Peace of Mind and Exceptional Insurance Coverage, yet when you read the fine print there appears to be a lot of gaps. Is anyone reading the fine print on these sites or obtaining a copy of the actual policy—pet care providers or pet owners?

Let's examine the different coverage all Professional Pet Sitters should maintain to be adequately covered, and where most hobbyists seem to fall short on coverage.

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"Why must I be a member of PSI or another association to obtain discounted insurance through Business Insurers of the Carolinas?"

We often get this question when pet sitters and dog walkers contact our agency looking to purchase or renew their insurance and/or bonding. Since this affects all PSI members and prospective members, I would like to share with you why and how our pet sitter liability insurance program was born so that everyone has a better understanding of our policy and why active association membership is mandated to receive the most affordable rates we can offer. The model we were built on back in the early 90s has allowed us to greatly enhance our product offerings over the years and is fundamental to the continuity of all our agency association programs.

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"I'm reviewing my insurance for my upcoming renewal and I currently have the PSI Liability Policy and the PSI Bond for my business...are there any other coverages that I need to consider for my business?"

Great question! This is something we're frequently asked from our PSI members, so below I have outlined some other insurance coverages  you may want to consider for your professional pet sitting business.

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What is Professional Pet Sitters Week?

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It is with mixed feelings I must inform you that effective 12/1/2019, Business Insurers of the Carolinas will no longer be offering the PSI Employee Dishonesty Bonds through Travelers Insurance Company/Travelers Bond. We have worked with Travelers Bond Department for over 17 years, and they have offered consistently good service and pricing on the PSI Bond Program. However, due to a required filing change in all states, Travelers was looking at a 40% increase in premium to a large majority of PSI members who currently carry a Bond, which was unacceptable. Therefore we agreed to part ways, but fortunately we were able to find two companies to replace Travelers in offering PSI members quality bonding coverage.

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Anyone who has watched a news show or read news online lately is aware that we are in a world where we are all searching for the truth from media outlets. Sometimes errors are made by people who are in too much of a hurry to learn the facts before spewing what they believe to be true online in chatrooms, blogs, or elsewhere.

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