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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.
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.
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. Click here.
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.
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 Lindsay@ThatMutt.com.
This post sponsor, PetCare Insurance, has licensed insurance agents available to answer questions about pet sitting and dog walking insurance. Learn more by visiting www.petcareins.com.
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!