“I’m so sorry, Mrs. Higgins. It was an accident, I swear.” As the pet sitter, you’re responsible for any accidents or injuries that occur while the pet is in your care. That’s why it’s so important to have the right insurance in place.
As a pet sitter, you are responsible for the safety and well-being of the pets in your care. If something goes wrong and a pet is injured while in your care, you could be held liable. That’s why it’s so important to have liability insurance, which can help cover the costs of any accidents or injuries that occur while you’re pet sitting.
Liability insurance can help protect you financially if you’re ever sued or held responsible for damages caused by a pet in your care. It can also help cover the cost of medical treatment for an injured pet. Many pet sitting businesses require their employees to carry liability insurance, so it’s worth checking into if you’re considering becoming a pet sitter.
There are two main types of liability insurance for pet sitters: professional liability insurance and general liability insurance. Professional liability insurance can help cover damages caused by your professional negligence, such as if a pet in your care becomes ill or injured due to your lack of care. General liability insurance can help cover damages caused by your activities as a pet sitter, even if it’s not considered professional negligence. For example, if a pet escapes from your care and causes damage to property, general liability insurance can help cover the cost of repairs.
The amount of coverage you need will depend on factors like the number of pets you care for, the type of pets you care for, and the services you offer. You should speak with an insurance agent to determine the right amount of coverage for your needs.
Many pet sitting businesses are started as sole proprietorships, meaning the business owner and the pet sitter are one and the same. When you’re self-employed, you’re responsible for choosing and paying for your own insurance. Professional liability insurance is a must for any pet sitter. This type of insurance protects you from claims of negligence or professional errors and omissions. It’s important to choose a policy with the right coverage limits to protect yourself financially in the event of a claim. Professional liability insurance is often available as an add-on to a business owner’s policy (BOP).
BOPs are insurance packages that combine property and liability coverage for small business owners. They typically include coverage for things like your office equipment, furniture, inventory, and business property in the event of a fire, storm damage, or theft. BOPs also usually include general liability insurance, which covers you if someone alleges they were injured or their property was damaged because of your business operations.
While a BOP can be a good option for pet sitters who own their own businesses, it’s important to make sure you have enough coverage. For example, let’s say you have a $500,000 BOP and you’re sued for $600,000 – the additional $100,000 would need to come out of your own pocket. That’s why it’s often a good idea to purchase professional liability insurance as an add-on to your BOP. This way, you can tailor your coverage to better meet your needs and have peace of mind knowing you’re fully protected.
As a pet sitter, you may be liable for veterinary bills if your client’s pet becomes ill or injured while in your care. This is where pet insurance comes in to help cover those unexpected costs. Many pet insurance policies will cover the cost of emergency Veterinary treatment, as well as any other treatment that is needed.
It’s important to check with your insurance provider to see what is and is not covered under your policy. Some policies will have exclusions for pre-existing conditions, so it’s important to be aware of this before you agree to take on a new client. Pet insurance can give you peace of mind that you’ll be covered financially if something unexpected happens while you’re taking care of a pet.
A pet sitter needs different types of insurance to protect themselves and the animals they are caring for. Liability insurance will cover them in case of any accidents or injuries, professional insurance will provide coverage for their business, and pet insurance will protect the animals in their care. By having all of this insurance in place, a pet sitter can be sure they are prepared for any situation.