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Took the Pet Sitting Insurance Leap – Coverage and Cost Breakdown!

I mentioned yesterday that I would be investing in pet sitting insurance soon to protect me from general crud that could happen with my new side hustle – Crystal’s Cozy Care Pet Sitting.  Making extra money wouldn’t mean much if I ever get sued and lose based on something my pet sitting fur-clients did while under my care.

Insured and Ready to Go!

Insured and Ready to Go!

Coverage

I ended up choosing a policy through Pet Sitters Associates, LLC.  Here’s a quick breakdown of the coverage:

  • $1,000,000 per occurrence, up to $2,000,000 annually for bodily injury, property damage, personal injury, advertising injury, products, and completed operations
  • $100,000 annually for fire damage
  • $15,000 per occurrence, up to $30,000 annually for pets lost, stolen, injured, or killed in your care
  • $1,000 per occurrence, up to $5,000 annually for vet expenses regardless of negligence
  • $2,000 annually for lost keys and re-keying of customers homes
  • $5,000 annually for medical expenses
  • $10,000 per occurrence, up to $25,000 annually, for the theft, breakage, and mysterious disappearance of the personal property of the pet owner while under the care of you, your employees, your independent contractors, or your incidental helpers.

No deductible for claims, EXCEPT $500 per incident if you purposely took an unleashed animal to a dog park or outdoors unless it’s in the pet owner’s or pet sitter’s yard with an above ground fence that will keep pets inside and people/animals outside.

In Short

Does the pet insurance cover your liability if the dog bites someone or runs in the street and causes a car accident or does it cover death and illness of a pet? If the pet has to go to the vet, you might have to pay if the owner refuses to reimburse you. If the pet dies the owner may want compensation from you.

In short – yes, all of that is covered.  :-)

Total Cost

Here was the breakdown of the costs for coverage from April 3, 2014 for one year:

  • Basic Insurance – $185
  • Special Property Coverage (that $10,000 property coverage was extra but I’m clutzy sometimes) – $100
  • Processing Fee – $10
  • Listing Fee to be in their search database of pet sitters – $10
  • Total = $305

Totally worth the peace of mind for me and my clients!  And it looks good to be able to show and state that I’m insured.  :-)

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9 comments to Took the Pet Sitting Insurance Leap – Coverage and Cost Breakdown!

  • Good for you! I’m a big fan of insurance for things like this, especially when it’s so cheap. It will bring you a HUGE amount of peace of mind knowing that you are covered should something crazy happen.

  • MikeS

    Great idea!! The exact reason for insurance. Something that isn’t likely to happen very often, but when it does it could be very expensive. Here’s hoping you never use it. :-)

  • Not too bad for an entire year. If it were monthly I’d be second guessing :)

  • Not bad! You will be a better pet sitter for it.

  • @Dee, totally!

    @MikeS, here’s hoping!

    @J, LOL, I would have self-insured if it was monthly…

    @Mortgage Free Mike, I think so too.

  • waitaminit. So it’s a $500 deductible if you take the client’s dog for a walk and it gets bitten in front of your house by the neighhbor’s wacked-out off-the-leash mutt? I thought that’s what pet-sitters did…take dogs for walks.

    Some of this stuff would probably be covered on your homeowner’s.

  • @Funny, no, it’s only a $500 deductible if I took a client’s dog for a walk, purposely let it off it’s leash (like at a dog park or if I was just stupid), and something happens. No deductible when other dogs or whatever hurt my client’s dog as long as it’s on a leash, in the house, or in an enclosed back yard.

    My homeowner’s will cover some of this stuff if it happens at my house, but not when I’m doing this at other people’s homes like I do…

  • That seems to be a great price for the insurance, and I can imagine how much peace of mind you and your clients’ have as a result!

  • @Sher, it is nice to know that I’m covered.