Pet Sitters Insurance, I’m So Confused!

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Pet Sitters Insurance can be confusing to understand. I am breaking down the barrier of our pet sitters insurance policy so you can understand it.

This is very common question I am asked when a client calls to ask about my pet sitting services.

This may not be the most exciting article I give to you but it may be the most important. 

There are different Pet Sitters Insurance Coverages out there.  This is what Hillsboro Dog Walkers has, explained.

Occurrence: An occurrence is a single claim or loss.

Liability is at $1,000,000 for bodily injury or property damage.

Loss to pets is $10,000.

Loss to personal property other than pets is $10,000

Bodily injury:

When a person is injured and caused by your pet sitter or pet.  For example: While walking your dog, you dog bites another person. Bodily injury covers the cost of liability up to $1,000,000.

Personal Property:

Injury, other than bodily injury, resulting from false arrest, false detention, false imprisonment, malicious prosecution, wrongful eviction, wrongful entry, or the invasion of privacy of a premises. It also includes injury caused by oral or written material that slanders a person, goods, products, services, or which violates the right of privacy.

Property Damage:

Physical Injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it OR loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the “occurrence” that caused it. Property damage liability is designed to pay for damage to property of others. This coverage contains a special exclusion for property in your care, custody, and control. This is why we have designed the special coverage parts for pets and the option to purchase personal property of others coverage (called Special Property Of Others Coverage)

Special property insurance (with employee surety bond) to cover any damage to personal property of the pet owner:

$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 your pet sitter, their employees, or independent contractors, or your incidental helpers.

Advertising Injury:

Damages or injury sustained by a claimant in the course of the advertising activities of the insured which included such injury as libel, slander, violation of the right to privacy, misappropriation of advertising ideas, or the infringement of copyright.

Vet Expense:

$1,000 per occurrence, up to $5,000 annually for vet expenses regardless of negligence:

Liability insurance typically only pays for injuries or damages caused by pet sitters negligence or the negligent act of pet sitters employees or independent contractors. However, the veterinarian expense coverage provides coverage regardless of negligence on the part of the pet sitter.

If an animal in our care is accidentally injured, your pet sitter is covered regardless if we are negligent.

If the costs exceed these amounts, there would potentially be coverage up to $15,000 per occurrence and $30,000 annually from the loss of a pet in our care portion of the policy, but there would need to be some negligence on our part for this coverage to come into play. This coverage can also be used if your pet sitter needs to take the pet to the emergency vet and the client is unwilling to reimburse you for the visit.

$2,000 for lost keys and re-keying of customers homes:OLYMPUS DIGITAL CAMERA

The cost of installing new locks at a customer’s premises because your pet sitter lost their key.

The lost key coverage does not cover a locksmith getting you into the house or any damage done to the house in an attempt to get inside. (This is why pet sitters request 2 sets of keys)

$5,000 for medical expenses

Medical Payments:

Third party coverage that cover medical payments to persons other than the pet sitter or the pet owners. This does not apply to your pet sitter or their employees. An example of how this coverage works would be if your pet sitter were walking your dog and the dog bit a passerby, we would pay for that person’s medical bills. This could be done without the other party starting a lawsuit or there being any legal liability on the part of the pet sitter.

If the medical costs exceed $5,000, there would potentially be up to $1,000,000 of bodily injury coverage within the basic policy occurrence limit, but there would need to legal liability and negligence on the part of the pet sitter in order for that coverage to come into play.

Additional insured’s:

Additional insured’s are usually building owners such as apartment complexes where we work. They can also be city or county parks that we use for your business.

So there you have it.  No secrets here at Hillsboro Dog Walkers.  We strive to give you the best pet care and best coverage to protect your pets, property and liabilities.

Some of our policies have been created because of our insurance policy.  For example:  We won’t knowing take on a clients pet if they are known to show aggression.  We not only put ourselves in danger but anyone that your pet comes in contact while in our care.

Information copied directly from our pet sitters insurance policy with Pet Sitters Association.

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