Insurance claims

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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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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Seems like every week or two I read a headline online about a pet sitter or dog walker claim that makes me pause and say "he or she did what?" Fortunately, many of these are not claims from PSI members, but they do get people's attention and also give the pet-sitting industry a bad wrap. And unfortunately, there have been a few claims from PSI members that are similar from which we can all learn. So for this briefing, let's take a look at some of the Do's and Don't's when it comes to being a true professional pet sitter. And if you utilize employees or independent contractors in your business, I highly recommend sharing this information with them so you can prevent future claims like this in your business.

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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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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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