Apply for Membership & Pet Business Insurance

Our membership and insurance is available for all dog walkers, pet sitters, pet groomers, pet boarders, dog/cat obedience trainers, pet taxis (200 mile radius or less), and pooper scoopers who are at least 18 years old.

You must be located in the United States. You may work in Canada, but you must live in the US.
There is no coverage for anyone living or working in Mexico.

Individual Membership & Insurance:

REQUIRED

$190

Add Spouse as an Additional Member:

$90

$0

Add Additional Partners:

x $90

$0

Add Employees or Independent Contractors:

x $90

$0

What is the formula for pro-rating?

✖

What is the formula for pro-rating?

It's easy to add an employee or independent contractor at any time by logging into your account and clicking the Add Employees/Services button. As soon as the addition is made, your insurance certificate is updated. You can print a new one at any time.

The premium is pro-rated for each employee or independent contractor as follows from the time of the addition is made until your insurance certificate expires:

During the first 3 months: $90
After 3 months, but less than 6 months: $71
After 6 months, but less than 9 months: $50
After 9 months: $29

Do I have to insure independent contractors?

✖

Do I have to insure independent contractors?

Independent contractors are considered the same as employees unless they carry their own pet business insurance with Pet Sitters Associates.

If your independent contractor does not have insurance or has insurance through a company other than Pet Sitters Associates, you need to add them to your membership/insurance certificate for $90.

Do I have to insure incidental help?

✖

Do I have to insure incidental help?

We understand that every pet sitter needs an occasional helper. Coverage is included automatically should you need to hire someone on a temporary basis in the event of an emergency, illness, or to help during your busy season.

To qualify as an incidental helper, the person must:

work less than 30 days within one year
not be paid more than $600 annually (based on the IRS guidelines)

If your helper does not fit these guidelines, you would need to add them to your membership/insurance certificate as an employee for an additional $90.

As many situations may vary, we suggest you discuss your specific situation with a Pet Sitters Associates representative.

Add Additional Insureds:

x $15

$0

Additional Insureds are usually building owners, such the 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. They are not employees or independent contractors.
If an Acord certificate is necessary, it can be provided separately via email, upon request.

Add Broadened Property Damage Coverage/Bond:

$100

$0

This coverage provides $10,000 per occurrence or $25,000 of insurance coverage 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. This does not include the loss of the pet itself as that is already covered in your basic membership. Please note if you do not purchase this additional coverage, there is no coverage under your basic membership policy for loss, damage, or theft of the owner's personal property.

The bond being offered through the PSA optional broadened property damage coverage & bond does not cover theft by the owner(s) of the business as we consider that an intentional act. However, the optional broadened property damage coverage & bond would still cover you as the owner of the business for breakage and/or mysterious disappearance of the personal property of the pet owner. 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 & Boarding Locations:

x $160

$0

Members need to purchase the optional pet daycare & boarding coverage to extend the liability insurance to cover any claims that might arise out of their pet daycare and boarding operations, including any incidents that may occur 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.

Members can have coverage for pet daycare & boarding operations at their homes as well as coverage for pet daycares 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 $160 each. Employees or independent contractors with pet daycare & boarding operations must be listed by name on the member certificate.

Add House Sitting Insurance:

$100

$0

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:

$50

$0

This coverage provides basic liability insurance for individuals who provide grooming services, such as cutting hair and nails. If you are only bathing and brushing pets, there is no need for you to purchase this additional coverage. Please note that grooming cannot exceed 45% of the total pet care business revenue.

Add Dog/Cat Obedience Training Coverage:

$155

$0

If you are only offering basic dog/cat 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 & boarding coverage to extend the insurance to cover training related claims that may occur at that location.

Add Show Dog Training & Handling Coverage:

$175

$0

The additional coverage is available for new and renewal members joining after July 1, 2019 and extends the basic liability insurance to cover the training, boarding, transporting, preparation for (including grooming) and showing of dogs not owned by the PSA member, or any employees/independent contractors, in local, state, regional, or national kennel club shows or exhibitions. Kennel club shows include those for pure breeds, sporting dog, and mixed breed clubs, associations, or organizations. Coverage is not available for training/handling of schutzhund, guard dogs, protection dogs, attack dogs, fighting dogs or police dogs. Please note that no more than ten pets are allowed to be under the care of any one show dog trainer/handler at one time and that no more than five pets can be boarded on a single night.

Add Expanded Coverage for Client Pets:

$50

$0

The Expanded Coverage for Client Pets is available for new and renewal members joining after July 1, 2020 and increases the vet expense limit for accidental injuries to client pets (regardless of negligence) to $2,500 per occurrence, up to $5,000 annually. If costs exceed these amounts, there would potentially be coverage for up to $25,000 per occurrence and $30,000 annually for injuries to client pets in your care, custody, or control.

Please note, the basic membership includes coverage of $1,000 per occurrence, up to $5,000 annually for vet expenses, regardless of negligence, for accidental injuries to pets in your care. If the costs exceed these amounts, there would potentially be coverage up to $15,000 per occurrence and $30,000 annually from the loss of a pet in your care portion of the policy, but there would need to be some negligence on your part for this coverage to come into play.

Add Pet Sitter Directory Profile Pages:

x $10

$0

Make sure you can be found by including a listing in our public pet care provider search. The search radius is 25 miles for each zipcode listed. Add additional profiles to allow your business to appear in search results for additional zip codes and other locations. You do not need a new profile for each service you offer.

Subtotal: $190

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Order Summary

$190
$10

– Individual Coverage
– Handling Fee

$200 – Order Total
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Effective Date of Coverage: *

The handling fee covers membership activation, certificate processing, and online member maintenance. This fee is charged to all members.

I understand that PSA memberships are fully earned, which means there is no refund after the first 30 days of the policy term. However, PSA does make exceptions within the first 30 days of membership. I understand that my membership and corresponding insurance coverages are effective at the date and time of purchase or any other future date requested. If payment is made via check, coverage cannot be effective prior to the postmark date. I also understand that there is no coverage for any claims or occurrences that may have happened prior to the effective date/time of my membership.

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Learn the benefits of pet business insurance.

Gain protection with general liability insurance. For example:

You're walking a client's dog and the dog bites someone.
A client slips and falls while visiting your office and is injured.
You lose your client's key and need to have their residence rekeyed.
A pet is injured, lost, or stolen while under your care.

Apply for Membership & Pet Business Insurance

Individual Membership & Insurance:

REQUIRED

$190

Add Spouse as an Additional Member:

$90

$0

Add Additional Partners:

x $90

$0

Add Employees or Independent Contractors:

x $90

$0

What is the formula for pro-rating?

Do I have to insure independent contractors?

Do I have to insure incidental help?

Add Additional Insureds:

x $15

$0

Add Broadened Property Damage Coverage/Bond:

$100

$0

Add Pet Daycare & Boarding Locations:

x $160

$0

Pet Daycare & Boarding 1 Information

Pet Daycare & Boarding 2 Information

Pet Daycare & Boarding 3 Information

Pet Daycare & Boarding 4 Information

Add House Sitting Insurance:

$100

$0

Add Pet Grooming Insurance:

$50

$0

Add Dog/Cat Obedience Training Coverage:

$155

$0

Add Show Dog Training & Handling Coverage:

$175

$0

Add Expanded Coverage for Client Pets:

$50

$0

Add Pet Sitter Directory Profile Pages:

x $10

$0

Subtotal: $190

Your Information

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Memberships & Discounts

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Order Summary

Effective Date of Coverage: *

Payment Information

Learn the benefits of pet business insurance.