Pet Business Insurance
Get better coverage at a more affordable price on your
pet business insurance by becoming a member of
Pet Sitters Associates today. Apply now.
Pet business insurance is administered by RPS Scobie Group and underwritten by an AM Best rated: A (Excellent) Insurance Company.
Pet Business Insurance: basic membership
only $190 a year
Basic membership includes commercial general liability coverage and defense costs in addition to policy limits.
$1,000,000 per occurrence, up to $2,000,000 annually for bodily injury, property damage, personal injury, advertising injury, products, and completed operations Learn more.
$100,000 annually for damage to premises rented to you Learn more.
- $15,000 per occurrence, up to $30,000 annually for pets lost, stolen, injured, or killed in your care
$1,000 per occurrence, up to $5,000 annually for vet expenses regardless of negligence Learn more.
- $2,000 annually for lost keys and re-keying of customers homes Learn more.
- $5,000 annually for medical expenses Learn more.
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 (if the optional pet daycare coverage is purchased) with an above ground fence that will keep pets inside and people/animals outside.
Pet Business Insurance: add-on policy options
Add your spouse, partners, employees, and independent contractors for $90 each
All your children (under 18 years old) and temporary help (whom you pay less than $600 per membership term and work less than 30 days per membership term) are covered at no extra charge. All PSA members, spouses, partners, employees, independent contractors and incidental helpers must be at least 18 years old.
Add additional insureds for $15 each
Additional insureds are usually building owners such as apartment complexes where you work. They can also be city or county parks that you use for your business. These facilities will require that they be added to your insurance policy.
Add broadened property damage coverage & bond to cover any damage to personal property of the pet owner for $100
$10,000 per occurrence, up to $25,000 annually, for the theft, breakage, and mysterious disappearance of the personal property of the pet owner while under the care of you, your employees, your independent contractors, or your incidental helpers. There is no coverage for any employee or independent contractor that you knowingly employ that has been charged or convicted of a theft.
Add pet daycare insurance for $155
Members need to purchase the optional pet daycare coverage to extend the liability insurance to cover incidents at their home or pet daycare operation. This coverage is required if you will be taking client animals (even just one at a time) to any private location or facility that you own or rent.
The requirements are that no more than ten pets are under the care of any pet daycare operation at one time and that no more than five pets stay over on a single night. Also, all pets must be separated at the daycare facility in an emergency situation (kennels, crates, baby gates, etc.), all pets must be current on all vaccinations and all pets must be checked for temperament to confirm they are acceptable with other pets. This coverage only applies to the pet daycare location addresses listed on the member certificate.
Members can have coverage for pet daycare operations at their homes as well as coverage for pet day cares at the homes of up to three employees or independent contractors. Coverage must be purchased for each employee or independent contractor for $90 each and coverage for each pet daycare (up to four total per membership, including the primary member) must be purchased for $155 each. Employees or independent contractors with pet daycare operations must be listed by name on the member certificate.
Add house sitting insurance for $100
Members can purchase this optional coverage for house sitting services when pets are not present in the home. House sitting without pets present cannot exceed 45% of the total pet care business revenue.
Add pet grooming insurance for $50
This coverage provides basic liability insurance for individuals who cut hair or nails while pet sitting. If you are only bathing and brushing pets, there is no need for you to purchase this additional coverage. For members renewing or joining after July 1, 2014, this policy now provides professional liability coverage, but still does not cover grooming when not pet sitting.
Add dog obedience training insurance for $155
If you are only offering basic dog obedience training (sit, stay, come) when provided in direct conjunction with your pet sitting work, you are already covered under your basic membership insurance. This additional coverage is for those who offer training outside of their pet sitting work. This policy does not provide coverage for protection, guard, fighting, attack, or police dog training. If you offer dog training operations at a private facility that you own or rent or in your personal home, you need to purchase both the optional dog training coverage and the optional pet daycare coverage to extend the insurance to cover training related claims that may occur at that location.
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