Pet Sitter Insurance
Built for the trust clients place in you when they hand over their pets and their keys.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage tied to your sitting visits
- ✓Injury or illness affecting a pet in your care, custody, and control while the owner is away
- ✓A fidelity or janitorial bond intended to respond to theft allegations during in-home visits
- ✓Accidental property damage you may cause inside a client's residence
Coverage products commonly considered
Most pet sitter 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 client returns to allege that a houseplant and a window were damaged during overnight visits, and the property damage portion is intended to respond in the event of a covered claim.
- A cat you are feeding becomes ill and the owner alleges it stemmed from your care; care, custody, and control coverage is generally intended to respond to allegations of this kind.
Frequently asked questions
Is a fidelity bond the same as liability insurance?
No. Liability coverage is generally intended to respond to bodily injury and property damage claims, while a fidelity or janitorial bond is intended to respond to allegations of theft by you while inside a client's home. In-home sitters often carry both. A licensed insurance professional can explain the distinction for your situation.
What happens if a pet gets sick while I am sitting?
Allegations that a pet became ill or injured in your care may fall under care, custody, and control coverage, which is intended to respond in the event of a covered claim. Whether a specific illness is addressed depends on the policy form and its exclusions.
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