If you own your own dog walking business, or if you are an independent contractor walking dogs for other companies, you’re in the right place. There is one BIG difference between a Dog Walking business and other types of businesses – it’s the dogs! That’s not news to you, but most insurance policies ignore the dogs. PROfur
Dog walkers need specialized insurance to be bonded, to cover lost keys & lock replacement, to cover pets being transported, and to cover the accidental injury or loss of the dogs themselves. Often walkers will also need professional liability coverage should you provide pet care instruction or advice to your clients. We have made it easy for you get a customized, cost-effective PROfur insurance policy that does a complete job of covering your business (including the dogs!).
Walking services that we insure also include coverage for:
- Pickup and drop-off services (pet taxi) – dogs are covered while in the vehicle (this policy odes not cover the vehicle itself – you still need your auto insurance policy)
- Poop & scoop
- Off-leash walks (certain conditions apply – see “What You Need to Qualify below”
Coverage Extensions Are Available for:
- Independent Contractors working for you
- Dog Training
- Pet Sitting
- Pet Therapy
What You Need to Qualify:
- Walkers must be at least 18 years old and not have a conviction for fraud or theft
- A maximum of 6 dogs per walker unless the by-laws in the jurisdiction specify a different limit. If no by-law, a maximum of 6 dogs applies
- Dogs can only be off-leash if you have the pet owner’s consent and the dogs are in a fenced yard or sanctioned public off-leash area
- Dogs must have current vaccinations for rabies and DHPP
- Keep a record of any behaviour and medical issues declared by each pet owner
- Use a consent or waive form with each pet owner
PROfur™ Masterplan Key Coverages
Click onin the table for more information
Protects against lawsuits alleging your service or advice caused injury or loss to a pet.
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.
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.
Covers tools and equipment while they are in transit, or in storage or in use at a location not specifically listed on your policy. For example, you have crates in your van to transport dogs from their owners’ homes to the area where you walk them. This is broad, multi-peril coverage. The settlement value will be based on the cost to replace the tools and equipment new less depreciation.
Protects against accidental injury to others, including pets, or accidental property damage. For example, after a theft occurs at a customer’s home, the customer sues you with allegations that you failed to lock the house after walking their dog. Or a dog you’re walking breaks lose from you, darts into traffic causing an accident, and you are sued for being negligent in controlling the dog.
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.
The policy also insures pets while they are being transported in your care (i.e. If you are driving your customers’ dogs to a park for a walk, or if you have to take them to the vet).
Covers lost profit and pays for necessary ongoing expenses if your daycare business is interrupted or closed due to a property damage claim. For example, if your daycare 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 daycare 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.
Covers reasonable expenses incurred to find or attempt to find a pet that has escaped or been stolen (i.e. advertising, travel, animal transport, veterinary services).
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 www.profur.ca/equipment-breakdown-insurance/
to help determine if it’d be beneficial for you. Note that this coverage is automatically included on some policies.
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.
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 you may incur expenses to have your proof of loss form notarized.
Bonding is designed to insure the theft of your customers’ contents by your employees while they are working for you. This coverage is primarily used to give your customers a level of trust in your business so they feel comfortable giving you the keys to their home.
Covers the cost to replace or re-adjust the locks at customers’ homes if you lose their keys.
Covers reasonable expenses incurred to remove animals from your premises in the event of an emergency to protect them from further harm (i.e. Animal transport, another temporary daycare facility or boarding).
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.