If you own your own pet sitting business, or if you are in independent contractor sitting for other companies, you’re in the right place. There is one BIG difference between a pet sitting business and other types of businesses – it’s the pets! That’s not news to you, but most insurance policies ignore the pets. PROfur
Pet sitters need specialized insurance to be bonded, the liability for their customers’ homes & contents, to cover lost keys & lock replacement, and to cover the accidental injury or loss of the pets themselves. Often pet sitters 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 pets!).
Here are the types of sitting services PROfur covers:
- Sitting of traditional domestic house pets
- Changing food & water
- Playtime & exercise
- Overnight sitting in your customers home
- Poop & scoop, cleaning litter boxes
- Administering medication as directed by the pet owner or vet
- Incidental house sitting (alternating lights/blinds, bringing in mail/newspapers, water plants, take out garbage)
Coverage Extensions Are Available for:
What You Need to Qualify:
- Sitters must be at least 18 years old and not have a conviction for fraud or theft
- Dogs can only be off-leash outdoors with the pet owner’s consent and must be in a fenced yard.
- Sitting traditional domestic house pets – no farm animals or illegal, venomous or poisonous animals
- Keep a record of any behaviour and medical issues declared by each pet owner
- Use a consent or waiver form with each pet owner
- No snow removal or lawn care services (clearing a path in the snow so you can access the home is acceptable).
PROfur™ Masterplan Key Coverages
Click on in 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.
Protects against lawsuits that allege your negligence caused loss or damage to a customer’s home or their contents. For example, a customer sues you for losses incurred after the theft of valuables from their home, alleging that you failed to set the burglar alarm after visiting their pets.
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.
Protects against accidental injury to others, including pets, or accidental property damage. For example, a dog you’re sitting darts out the door 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 have to take a pet 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 the cost to replace or re-adjust the locks at customers’ homes if you lose their keys.
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 having you in their home when they are absent.
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.
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.