Pet Sitting Insurance

(Caring for pets in a customer’s home)

If you own a pet sitting business or are sitting for other companies as an independent contractor, providing care and keeping pets safe is key to your business. PROfur understands the importance of keeping your pets protected every day and can take care of providing the coverage you need.

For pet sitters specifically, being bonded and having liability coverage for their customers’ homes & contents is of the utmost importance. At PROfur we can help. We offer protection options to give you peace of mind so that if something happens, you and your fury friends are protected. We can cover incidence like lost keys & lock replacement, to the unfortunate accidental injury or loss of the pets themselves. Often pet sitters will also need professional liability coverage if you provide pet care instruction or advice to your clients. We make it easy for you get a customized, cost-effective PROfur insurance policy that does a complete job of covering your pet sitting business.

PROfur Pet Sitting insurance includes coverage for:

  • Sitting of traditional domestic house pets
  • Changing food & water
  • Playtime & exercise
  • Overnight sitting in the 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. Dogs 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

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, 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.

Damage to Customers’ Home & Contents

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.

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.


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.

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.

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.

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

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