What insurance do I need to become a dog walker? Simple and Effective Tips

How Much Does Dog Walkers Insurance Cost?​

The basic dog walkers insurance policy cost $139/year. However, there are optional coverages that you can add to your policy for an additional premium. For example, you can add PCI’s employee dishonesty coverage, which is a coverage that operates similar to bonding.

Is Pet Care Insurance the Best Option?

You need insurance for your car, your home, your health, and your life, but did you know you also need it for your job?

What Does Dog Walking Business Insurance Cover?

All dog walking policies include general dog walking liability insurance, which helps you with the cost of legal claims against you from injuries or damages sustained by a third party during your business operations. Features of this coverage can include the following.

A common feature of general liability insurance, medical coverage reimburses your costs for medical bills associated with people sustaining injuries by a dog in your care.

Products/Completed Operations covers your liability for property damage or injuries to a third party once you cease your contracted operations.

Many dog walking insurance policies include personal and advertising injury clauses, which are common for many business insurance policies. This coverage includes claims arising from one or more of the following situations:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libel a person or organization
  • Oral or written materials that violate a person’s right to privacy
  • The use of another’s advertising idea in your marketing
  • Animal Bailee Coverage provides coverage due to the loss or destruction of animals in your care, custody and control. This is important if you’re concerned that the dog owners you are working for will hold you liable for any injury to their pet while you are walking it.

    Veterinarian expense reimbursement coverage protects you for vet expenses — regardless of who’s at fault — for your client’s pet while in your custody up to the policy limit. If your client has pet health insurance, you may not need this feature.

    If you lose your clients’ keys, you’re covered for the cost to replace or re-adjust the locks at your customer’s home.

    Do Dog Walkers Need Insurance?