Insurance for pet sitters and dog walkers.

General liability, animal bailee for pets in your care, a bond for the homes you enter, and lost key coverage, for sitters and walkers working solo or with a team.

What pet sitters and dog walkers usually carry

General liability, $1M / $2M
Animal bailee
Third-party bond
Lost key coverage
Hired and non-owned auto
Workers’ comp, once you hire

Watch for these in a pet sitting policy

Theft claimsGeneral liability usually does not pay when a client says a sitter stole from their home. A third-party bond or crime coverage does.
Lost keysLosing a client’s keys can mean rekeying the whole house. Many pet sitting policies include lost key coverage, often at a small limit.
Walking several dogsA pack raises the odds of a fight or a bite to a passerby. Some policies cap how many dogs one walker may handle at a time.
Driving petsPersonal auto may not cover driving pets for pay. Tell your auto insurer, and add hired and non-owned auto if your walkers use their own cars.

What clients and apartment buildings ask pet sitters and dog walkers for

Bonded and insuredClients ask for both. The bond answers theft; the insurance answers injury and damage.
Certificate for the buildingManaged buildings often want a certificate naming them before you get a key fob.
Animal bailee limitOwners of show or pedigreed dogs may ask what you carry per animal.

Questions pet sitters and dog walkers ask

Straight answers.

The questions we hear most, answered plainly.

What does bonded mean for a pet sitter?

A bond pays your client back if someone who works for you steals from them. Many bonds cover employees only, not the owner, and a bond does not replace liability insurance.

Am I covered if a dog I am walking bites someone?

Under a pet sitting policy, usually yes, as general liability. Injury to the dog itself needs animal bailee coverage.

Do I need insurance if I only walk dogs part time?

If you are paid, yes. Renters and homeowners policies usually exclude business activity, so a bite on a paid walk may not be covered by them.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Personal and pet services

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Pest control

Pest control general liability, Pesticide and herbicide coverage, Errors and omissions, for inspections

Locksmiths

General liability, $1M / $2M, Errors and omissions, Tools, stock, and van contents

Photographers

General liability, $1M / $2M, Camera and equipment floater, Professional liability

Event planners

General liability, $1M / $2M, Professional liability, Host liquor liability

Appliance repair

General liability, $1M / $2M, Commercial auto, Tools and parts

Funeral homes

General liability, $1M / $2M, Funeral director professional liability, Commercial auto, hearses and limousines

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