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Insurance for Pet Sitters and Dog Walkers โ€“ Why You Need It

Want to get started as a dog walker or grow your dog walking business? You’ll want to Click the link HERE.

Note: I’ve partnered with PetCare Insurance to bring you this post.

This post is for my readers who are interested in starting a dog walking business or pet sitting business.

Dog walkers and pet sitters NEED insurance.

As some of you know, I started my dog walking and pet sitting business Run That Mutt in 2008.

If you’ve read my ebooks or signed up for my dog walking emails you know signing up for pet sitting insurance is one of the first things I recommend you do when starting your business.

Reasons you need insurance if you’re a serious pet sitter or dog walker

1. Protect yourself financially. Accidents happen. Mistakes happen. Usually these accidents are no big deal, but you want to be covered in case something more serious occurs. Dogs are dogs. They bite. They break shit. They get hurt.

2. It’s the professional thing to do. A professional business owner carries liability insurance. Not only is this for your own protection, but it gives your customers some peace of mind too. Plus, it sets you ahead of the pet sitters who risk it and go without insurance (yikes!).

3. It’s affordable. Worth the price for peace of mind if nothing else. Pet sitting is stressful enough as it is! You can’t control everything, but at least if you carry insurance you don’t have to worry about what you’re going to do IF something bad happens.

Get Coverage From PetCare Insurance Starting at $129/year.

Insurance for pet sitters and dog walkers

Examples of why you might need to file an insurance claim:

Here are a few examples of when you might choose to file an insurance claim:

(These first two are real examples that happened to me!)

  • The dog you’re walking gets a foxtail (barbed grass) stuck up his nose somehow and needs to be sedated to have it removed.
  • The dog you’re walking gets his leash caught around the client’s solar lights and breaks the lights. Sigh …

Other potential scenarios:

  • You lose a client’s key and because of this she needs to replace all her locks for safety.
  • A dog you’re walking slips out of his poorly fit collar and gets hit by a car.
  • A dog you’re walking bites another leashed dog.
  • A dog you’re walking nips a child who comes running around a blind corner.
  • A dog in your care swallows a toothpick (or a rock/toy/bone) and has to have it surgically removed.

What types of scenarios are not covered by pet sitting/dog walking insurance?

No matter which company you choose to go with, make sure you understand what is and isn’t covered.

Typically, injuries to YOU (the pet sitter) would not be covered. The same goes for injuries to YOUR OWN pets. Anything that happens under the responsibility of your employees/contractors would also not be covered unless you specifically add them to your policy.

Insurance for pet sitters

The Bottom line – this industry is growing!

Set yourself ahead of the “competition” by starting out right from the beginning.

Things you can do TODAY to get your business off on the right track:

1. Sign up for pet sitting/dog walking insurance to get it out of the way early.

2. Start a waiting list of clients so you have some lined up sooner rather than later.

3. Start going crazy with fliers NOW, before you’re actually ready to take on clients. Word of mouth takes time! You want to get the word out there early.

Insurance for pet sitters

Have any questions about insurance?

Leave them in the comments and I’ll get them answered. If you’re more comfortable, you can also email

This post sponsor, PetCare Insurance, has licensed insurance agents available to answer questions about pet sitting and dog walking insurance. Learn more by visiting

Seriously guys, no matter what company you go with carrying insurance is a no-brainer!

Best of luck with your business and keep me posted on your progress.


Are you interested in starting a petcare business?

Let me know what questions you have!

Insurance for dog walkers

Related posts:

How to start a dog walking business

How to get dog walking clients fast!

How to Teach a Puppy or Dog to Wait for His Food
I'm Afraid I'm Doing Everything Wrong With My Puppy


Tuesday 2nd of October 2018

Is it profitable to start one in assisted living centers? They are on a limited budget so Im just not sure!

Lindsay Stordahl

Wednesday 3rd of October 2018

I would have it be a small percentage of your clients. Some can afford it, some will have family members pay for the service.

Erin Coe

Friday 9th of February 2018

Why would the pet sitter need to cover the cost of the animal needing medical care, or breaking their owners solar lights?

Lindsay Stordahl

Friday 9th of February 2018

It really depends on the situation and what you have in your liability contract. If the dog gets hurt and it's your fault or if it damages something while you're watching it, etc. Thankfully a lot of dog owners are understanding and would never expect the pet sitter to cover those costs in those situations.

Lindsay Stordahl

Saturday 26th of November 2016

If you have any questions about insurance for dog walkers/pet sitters, just leave them in the comments.