Dog Walker Insurance
Coverage shaped around the daily realities of walking other people's dogs.
What this coverage is intended to address
- ✓Third-party bodily injury or property damage that may arise while you are out on a walk
- ✓Injury to a dog left in your care, custody, and control during a walk or handoff
- ✓Claims that a dog you were handling got loose and caused damage or harm to someone else
- ✓A fidelity or janitorial bond intended to respond to theft allegations when you hold keys to a client's home
Coverage products commonly considered
Most dog walker operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A dog slips its harness and knocks over a passerby who alleges injury; the general liability portion is intended to respond in the event of a covered claim.
- A client's dog is injured by a fence gate during pickup, and care, custody, and control coverage is generally intended to address allegations of harm to an animal in your care.
Frequently asked questions
Why would a dog walker need care, custody, and control coverage?
A standard general liability policy is generally intended to address harm to other people or their property, but injury to the animal you are actively handling can fall outside it. Care, custody, and control coverage is the piece intended to respond when the dog in your charge is allegedly hurt. A licensed insurance professional can confirm how a given form treats this.
Do I need a bond if I have keys to client homes?
Many walkers add a fidelity or janitorial bond, which is intended to respond to allegations of theft from a home you have access to. It is separate from liability coverage, and terms vary by carrier and state.
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