Pet Sitter Insurance
Pet Sitter Insurance is matter many (Pet Sitters & Pet Owners) take too lightly and really do not completely understand. After over 18 years pet sitting & over 10 year in the insurance industry I was able to get a very good perspective of exactly what is proper “Pet Sitter Insurance” coverage & what is not “Pet Sitter Insurance”
The most important thing I can state is while reading this article you get 1 thing out of it that it is: YOU CAN NOT GET PROPER PET SITTER INSURANCE THROUGH STANDARD INSURANCE COMPANIES SUCH AS: STATE FARM, ALLSTATE, COUNTRY FINANCIAL, TRAVELERS, NATIONWIDE OR GEICO
Despite what their agent will tell you….trust me they will tell you they can give you all the coverage you need! When it comes down to filing a claim due to an incident, you WILL NOT have the coverage anticipated! The agent could provide the pet sitter with a certificate showing a $1,000,000 liability limit. However, it will NOT cover property in the care, custody and control of the pet sitter that comes in to the pet owners home.
A Pet Sitter Insurance is specialized policy must have the 3 C’s – CARE, CUSTODY & CONTROL. The easiest way to explain this by example: XYZ Pet Sitter forgets to put the client’s puppy securely back in the dog crate when they leave the house. The loose puppy chews on the kitchen table legs, gets sick and needs veterinary care. Without care, custody, and control coverage, there would be no coverage for the furniture or the puppy’s veterinary bill, even though the sitter was negligent in his/her duties to take care of the puppy/home’s contents. That $1,000,000 STANDARD policy that the pet sitter has will pay absolutely nothing to the pet owner.
More information & details about these companies, their rates & coverage can be found at their individual websites or at
I have personally seen other pet sitters who THINK they have the correct coverage through major standard insurance companies. Then when it came time to file a claim due to an incident they found out they did not have the coverage they thought they did & they face being taken to court by the pet owner. DO NOT LET THIS HAPPEN TO YOU!
Pet owners DO NOT hesitate to ask a pet sitter for proof of insurance! They should be able to provide a certificate of insurance with coverage limits, bonding & any additional coverage. It should also list all the pet sitters names who are covered under their policy. If a pet sitter is not insured you run the risk of that if anything should happen while under their care you will not be able to get reimbursed for any losses or damages other than directly suing the pet sitter.