Coverages
At Business Insurers, we understand that no two pet sitting businesses are alike, and for that reason we tailor coverage to your individual business needs. The primary coverages that are recommended for all professional pet sitters are General Liability, Bonding, and Workers Compensation. If you use your vehicle in your business or have employees driving their vehicles on behalf of your business, you may wish to consider Commercial Auto coverage. If you have a facility or office outside of your home, you may wish to consider Commerical Property coverage.
General Liability Insurance:
Protects Pet Sitters against third party claims for bodily injury or property damage arising from negligence on behalf of you, your employees or Independent Contractors* (Ex. Dog in your care bites someone while on a walk, Ex.Your employee leaves water running in client's home causing damage to client's property, Ex.You neglect to shut dog's crate and dog gets out and chews up furnishings).
*Independent Contractors are covered automatically under the PSI Bond policy. This may not be the case with other insurance companies.
Apply/Renew :
Change Requests:
Workers Compensation:
Provides coverage for occupational injuries sustained by your employees (and depending on state you live in, your Independent Contractors) for:
- On the job injuries that occur "in the course of employment" (Ex. Dog Bite)
- Occupational Diseases that result from employment (Ex. Carpel Tunnel or Rabies)
- Employer's Liability that is excluded from Employment (Ex. Spouse or Family member of employee sues alleging loss of consortium, etc. due to employer negligence)
Commercial Auto:
Protects Pet Sitter against bodily injury or property damage to a third party (person or vehicles) caused by your owned or leased vehicle(s). (Ex. you run into client's garage or mailbox with your vehicle, Ex. You run into another vehicle or cause an accident while en route to client's home.)
For more information on commercial auto, please contact us at psi@business-insurers.com or at (800) 962-4611.