Insurance for Canadian Pet Care Professionals

Introduction

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1Introduction
2Services
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4Coverage
5Certifications
6Contact Info
  • Currently, PROfur is not available in your province or territory. We recommend you contact a local insurance broker to find alternative coverage at this time. Thank you for your interest.
  • Tell us a little bit more about your services

  • Services

  • Boarding/Daycare (At Your Location)

    IMPORTANT: How we differentiate between Boarding/Daycare and Pet Sitting If you are a boarding/daycare operation AND charge for walking services, please ensure you’ve also selected Dog Walking service above.

  • Please enter a number greater than or equal to 0.
Do you have a municipal business license for your boarding/daycare operation?

To qualify for coverage, the maximum number of customer dogs and cats permitted for home-based boarding or daycare is five (5) UNLESS they are housed in a separate building on your property or you can provide a copy of a municipal business license or permit that allows for more than 5 (a copy of this license or permit will be required before coverage can be put in place).

Do you ensure each dog has current vaccinations or titers for Rabies, DHPP (Distemper, Hepatitis, Parainfluenza, Parvovirus)?
  • Unfortunately, we are unable to insure your business at this time as proof of vaccination is required in order to qualify for coverage.
Do you ensure each cat has current vaccinations or titers for FVRCP (Feline Virus Rhinotracheitis, Calicivirus Infection, Panleukopenia) and Rabies?
  • Unfortunately, we are unable to insure your business at this time as proof of vaccination is required in order to qualify for coverage.
  • Dog Training

Number of Trainers

Include employees, independent contractors, and owners of your business who do training.

How full-time and part-time are defined for this application

  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
Do you host fun matches or trials?
  • Unfortunately, we are unable to insure your business at this time as some of the operations do not qualify for coverage.
Do you provide international online dog training/consultations (i.e., for clients outside of Canada)?

Includes live or recorded remote training and consultations by video, phone, text, social media or other means of electronic communication with clients who reside outside of Canada.

  • Unfortunately, we are unable to insure your business at this time as some of the operations do not qualify for coverage.
  • Dog Walking & Pet Sitting (At Your Client's Home)

Number of Walkers

Include employees, independent contractors, and owners of your business who do walking.

How full-time and part-time are defined for this application

  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
Number of Sitters

Include employees, independent contractors, and owners of your business who do sitting.

How full-time and part-time are defined for this application

  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
  • Unfortunately, businesses with walkers or sitters under age 18 do not qualify for coverage.
Maximum number of dogs walked at once, per walker
  • Please enter a number greater than or equal to 1.
  • Unfortunately, we are unable to insure your business at this time as the number of dogs being walked exceeds the qualifying criteria.
Do you do off-leash dog walking (includes using off-leash dog parks)?
  • Unfortunately, we are unable to insure your business at this time as some of the operations do not qualify for coverage.
  • Grooming

Number of Groomers

Include employees, independent contractors, and owners of your business who do grooming.

How full-time and part-time are defined for this application

  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
  • Pet First Aid Instruction

Number of Instructors
  • Please enter a number from 0 to 99.
  • Pet Therapy

    Pet Therapy includes hydrotherapy, massage, reiki, acupressure, reflexology, colour therapy, vibrational essence

Number of Therapists

Include employees, independent contractors, and owners of your business who do therapy.

How full-time and part-time are defined for this application

  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
  • Tell us a little bit more about your location(s)

  • Choose your coverage

  • Customer's Pets

    Description of coverage

  • Contents

    Description of coverage

Business Tools, Equipment & Furnishings (excludes vehicles)
  • Please enter a number from 0 to 9999999.

    Vehicles and signage:

    • vehicles are NOT included in coverage and should NOT be included in the calculation
    • interior and exterior signs ARE covered and should be included in this value.
Stock Limit
  • Please enter a number from 0 to 9999999.
Leasehold Improvements & Renovations for Your Business

Calculating Leasehold Improvements (click here for more info)
Calculating Renovations (click here for more info)

  • Please enter a number from 0 to 9999999.
  • Liability

    Description of coverage

Liability Coverage Amount

Not sure what limit to choose? (click here for guidance)

  • Training, Education, Certification, Experience

Have you obtained Pet First Aid Certification in the last 3 years from a program that provides a minimum of 6 hours of instruction?
  • Contact Information

Contact Information

Acera | PROfur Logo
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PRIVACY POLICY
PRINCIPLES OF CONDUCT
ABOUT YOUR INSURANCE BROKER
DISCLOSURE
TERMS OF USE

PROfur is a specialty insurance policy for pet care professionals in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia & Prince Edward Island.

©2025 All Rights Reserved / PROfur is a trademark of Acera Insurance Services Ltd. and is used under license.

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A more detailed application will be required for our brokers to review to ensure we provide an accurate quote and advice for your unique needs, and requires approximately 10 minutes to complete.

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For the purpose of this insurance application:

Boarding/Daycare
the animals are cared for at YOUR LOCATION
(limited to the business or business owner’s location)

Pet Sitting
the animals are cared for at the PET OWNER’S LOCATION

For the purpose of this insurance application:

Full-time is 30 hours/week or MORE on average
Part-time is LESS than 30 hours/week on average

A separate application is required for each location that you lease or own.

What is the cost to replace brand new today any leasehold improvements that you are responsible for? You need to include any improvements that you have made to the space plus anything your lease agreement makes you responsible for insuring. Review your lease agreement as it will indicate if you are responsible for insuring the value of renovations made by prior tenants or the landlord, or things like glass, the heating and air conditioning system, or electrical system. If your lease makes you responsible for any of these items, then include the estimated cost to replace them brand new. Essentially, you want to ensure that you have enough coverage to restore the space back to the way it is today after a claim.

What is the cost to rebuild brand new today any business-related renovations that are not insured by your home insurance policy? If the renovations are typical of the types of renovations you would find in any private residence, they are often covered by your home insurance provided you’ve let them know about them, in which case you do not need to include their value here. However, if you have business-related renovations that you would not normally expect to find in a home, then include the value here to insure them on your business insurance.

It's difficult to know what the right liability limit is. If you were to be sued for more than your liability insurance limit, you will need to hire a lawyer to defend you for the part that is not covered by your insurance.

So, if you are sued for more than your insurance limit, it can be very expensive for you to pay just the legal fees. Plus, if there is a judgement against you for more than your insurance limit, then you will also be responsible for paying the amount your insurance doesn't cover. Because of this, our recommendation is to purchase the highest liability limit you can afford as the cost of the insurance is a fraction of the cost of what a lawyer charges for an hour of work.

You should also consider the value of the building that your unit is in. If you were responsible for damage caused to the rest of the building, for example if a fire spread from your unit to the rest of the building, you’d want a high enough liability limit to cover the cost of rebuilding the building.

This is the coverage that will respond for the loss, injury or death of a customers’ pet in your care, including coverage for emergency vet expenses. A limit per occurrence is provided in case there are multiple pets involved in the same claim, such as could happen with boarding, daycare or dog walking.

Contents coverage includes tools, equipment, furnishings and stock, plus renovations or leasehold improvements for which you are responsible. Enter the full replacement value for brand new items to avoid being penalized if you have a claim.

If you are sued for negligence for things like accidental injury to animals, or if a customer slips and falls, liability coverage will cover the cost to defend you and to settle the lawsuit up to the limit you choose.