Whether you’re a dog walking business owner or an independent contractor walking dogs for other companies, we can help you protect your business and the pets in your care. Many insurance policies ignore the most important part of your business, the dogs! Are you covered in case of an accident while walking your client’s pet? You won’t have to worry with PROfur insurance. Setting the industry standard for pet-based business insurance— PROfur keeps you and your pet clients protected.
At PROfur we understand that dog walkers need specialized insurance to be bonded and our policies cover a variety of occurrences including a common, everyday incident like lost keys & lock replacement, to the unimageable accidental injury or loss to the dogs themselves. Often as a walker, you may also need professional liability coverage should you provide pet care instruction or advice to your clients. We make it easy for you to get a customized, cost-effective PROfur insurance policy that does a complete job of covering what’s important to you so that you can focus on caring for your pets. Let PROfur’s experienced staff take care of your dog walking insurance.
PROfur Dog Walking insurance includes coverage for:
- Pickup and 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)
- 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
- Pet Boarding Insurance
- Dog Daycare Insurance
- Dog Training Insurance
- Dog Grooming Insurance & Cat Grooming Insurance
- Pet First Aid Trainers Insurance
- Pet Sitting Insurance
- Pet Therapist Insurance
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 waiver form with each pet owner
PROfur Masterplan Key Coverages
Care of Pets
Protects against lawsuits alleging your service or advice caused injury or loss to a pet.
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.
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 are driving your customers’ dogs to a park for a walk, or if you have to take them to the vet).
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.
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.
Lost Key Coverage
Covers the cost to replace or re-adjust the locks at customers’ homes if you lose their keys.
Includes replacement cost coverage for a home office equipment that is used for your business. 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.
Contents Away from Premises
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, if you have crates in your van to transport dogs from their owners’ homes to the area where you walk them, this would insure the crates (if the crates are permanently attached to the van, then they need to be covered by the van insurance). This is broad, multi-peril coverage.
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.
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 you may incur expenses to have your proof of loss form notarized.
**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.