Pet Boarding Insurance

(overnight care at your location)

Do you run a pet boarding facility, board a few pets in your home, or offer dog or cat boarding as one of your pet care services? PROfur can help you protect your business and your furry friends with a policy that’s customized to protect pet boarding operations.

Managing a lot of pets with many different breeds and varying degrees of behavior in one place at a time requires specific knowledge. It also requires specialized boarding insurance to protect you against the liability of accidental injury or loss of the pets themselves while they’re in your care, or for your professional liability should you provide pet care instruction or advice to your clients. PROfur uses our knowledge and experience to bring comprehensive coverage to you.  Our detailed plans are specifically tailored to suit the services you provide, and we make it easy for you get a customized, comprehensive and cost-effective PROfur insurance policy that covers liability, care of animals and property.

Here are the types of pet boarding services we can cover for you:

  • Indoor / outdoor play areas, runs & suites
  • Playgroups
  • Treadmill Walking
  • Facility or owner supplied food & treats
  • Dog walking for exercise & washroom breaks
  • Merchandise Retailing
  • Pickup & drop-off services (pet taxi) – dogs are covered while in the vehicle (this policy does not cover the vehicle itself – you still need your auto insurance policy)
  • Administering medication as directed by the pet owner or vet

Coverage Extensions Are Available for:

What You Need to Qualify

  • Dogs must have curent vaccinations for rabies and DHPP
  • Cats must have current vaccinations for rabies and FVRCP
  • Maximum of 15 dogs together per supervising attendant
  • Maximum number of pets must not exceed the number permitted by your business license (if you’re required to be licensed) or local by-laws (if any apply)
  • Dogs can only be off-leash outdoors if they are in a securely fenced yard or sanctioned public off-leash area
  • Keep a record of any behaviour and medical issues declared by each pet owner
  • Use a consent or waiver form with each pet owner

If you provide more than one service, visit the Multi-Service Pet Care page.

PROfur ® Masterplan Key Coverages


Care of Pets


Professional Liability

Protects against lawsuits alleging your service or advice caused injury or loss to a pet.

General Liability

Protects against accidental injury to others, including pets, or accidental property damage. For example, this is designed to defend you if you are sued for negligence after a customer slips and falls in your boarding facility, or if something were to fall and injure a pet in your care.

Injury or Loss of Customers’ Pets

Including: Emergency Vet Expenses, Loss by Theft or Runaway, or Death

Allows you to make the best of a bad situation by being able to cover unexpected expenses incurred to care for pets injured or lost while in your care. This feature has the unique benefit of not requiring you to be sued in order to use the coverage.

Pets in Transit

The policy also insures pets while they are being transported in your care (i.e. If you have to take them to the vet; if you offer pickup or drop-off service).

Runaway Recovery Expenses

Covers reasonable expenses incurred to find or attempt to find a pet that has escaped or been stolen (i.e. advertising, travel, pet transport, veterinary services).

Reward for Return of Runaway

Allows you to post a reward for the safe return, or for information leading to the safe return of a customer’s pet that has escaped or been stolen from your care.

Emergency Removal of Pets

Covers reasonable expenses incurred to remove pets from your premises in the event of an emergency to protect them from further harm (i.e. Pet transport, temporary daycare or another boarding facility).


Includes replacement cost coverage for tools, equipment and stock owned by your business while it is on the premises of your business, plus any renovations or leasehold improvements you are responsible for. Broad, multi-peril coverage is provided – in other words, the policy protects you against a wide variety of things that could damage your property such as fire, theft, vandalism and sewer backup among others.

PROfur Coverage Extension

This is a package of various coverages included on all PROfur Masterplan policies. It is designed to maximize your protection by covering gaps that often arise unpredictably after a claim.

Business Interruption

Covers lost profit and pays for necessary ongoing expenses if your boarding business is interrupted or closed due to a property damage claim. For example, if your boarding facility suffers extensive water damage after a storm and you’re closed for 2 months while it’s repaired, the policy will reimburse you for the profit you’ve lost and it will pay for necessary operating expenses that continue even while you’re closed, such as your salary and loan payments.

Coverage is also included for extra expenses you incur to avoid or minimize the interruption of business after a claim. For example, if your boarding facility suffers extensive damage after a fire and you’re closed for 3 months, this coverage can be used to cover the costs of relocating your business and advertising to let your customers know where to find you.

Equipment Breakdown (optional)

Insures your electronic equipment (or your electrical panel, wiring, air conditioner) against damage from electrical disturbances (like power surges and brown outs) and mechanical breakdown, and more importantly, it covers the lost profit and necessary ongoing expenses (like your salary) if you’re closed due to the equipment breakdown. Many commercial leases require you to carry this coverage. You can find out more info about the coverage at to help determine if it’d be beneficial for you. Note that this coverage is automatically included on some policies.

Proof of Loss Preparation Costs and Professional Fees

These 2 benefits help to pay for expenses incurred for you to establish the amount of your loss after a claim and to prepare the Proof of Loss form that you’re required to submit before a claim can be paid. For example – your business is shut down for a month to clean up after the sewer backs up into your daycare after a storm. You will likely need to hire an accountant to establish how much profit was lost while you are closed before you can be reimbursed by the insurance company.

**All coverages are subject to the limits of insurance purchased and the usual Terms, Conditions, Exclusions and Warranties of the underwriter, Intact Insurance. Deductibles may apply to some of the listed coverages. More detailed coverage information will be provided with your quote.

See real life examples of how PROfur can protect Pet Boarding business owners.

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