Animal Industry Insurance

Dog Walker Insurance

Coverage built around businesses that work directly with animals and pet owners.

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What this coverage is intended to address

✓Third-party bodily injury and property damage that may arise out of pet-care services
✓"Care, custody, and control" of pets — when scheduled on the policy
✓Allegations of injury to a pet while in your care

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most dog walker operations consider one or more of these coverage types:

General Liability

Care, Custody & Control Endorsement

Janitorial / Fidelity Bond

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

A dog being walked breaks free and bites a passerby. The general liability policy is intended to respond in the event of a covered claim.
A pet in your care is injured. "Care, custody, and control" coverage is generally intended to address allegations of this nature.

Frequently asked questions

Does general liability cover injury to a pet in my care?

Standard general liability typically excludes property of others in your care, custody, or control. A separate "care, custody, and control" endorsement is generally intended to address that gap. Coverage and exclusions vary by carrier.

Do I need bonding for pet sitting?

Many pet-sitting customers ask for proof of bonding. A fidelity / janitorial bond is intended to address allegations of theft from a customer's home.

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