Insurance for Canadian Pet Care Professionals

Welcome

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1Welcome
2Introduction
3Services
4Location
5Coverage
6Certifications
7General
8Contact Info
9Other Info
10Consent

  • Submitting this application allows us to confirm your eligibility, coverage and premium for your business. It does not obligate you to buy a policy – we will only issue a policy if you ask us to!

    Upon submission of this application:

    • A licensed insurance broker will review your application in detail to provide advice and help ensure your policy will do what you expect it will do in the event you have a claim
    • A licensed insurance broker will contact you to provide the quote or clarify any information
    • A copy of the completed application will be emailed to you so you’ll have a copy for your records

    SPECIAL NOTES:

    • At any time, you may save your progress by clicking on the “X” in the upper right of the screen (beside the phone number). Your progress will be saved so you may return within 7 days to complete the application.
    • If your business owns or leases multiple locations, please submit ONE application for EACH location.
    • Independent contractors and mobile services please submit ONLY ONE application.
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  • 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.
  • Unfortunately, we are unable to insure your business at this time as some of the operations currently do not qualify for coverage.
  • Unfortunately, we are unable to insure your business at this time as some of the operations currently do not qualify for coverage.
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  • 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.

What type of pets are boarded or in daycare?
  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
What type of facility are pets housed in?

  • 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 have a municipal business license for your boarding/daycare operation?
  • Drop files here or
    Accepted file types: jpg, gif, png, pdf, doc, docx, Max. file size: 300 MB.
Are dogs taken off leash?
  • Unfortunately, we are unable to insure your business at this time as some of the operations currently do not qualify for coverage.
Do you offer treadmill walking?
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

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

  • Employees (including owners)
  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
  • Independent Contractors
  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
Indicate types of training provided:
Is your revenue from training dangerous or aggressive dogs 15% or less of your total dog training revenue?
  • Unfortunately, businesses earning more than 15% of their revenue from training dogs designated by law as dangerous or aggressive do not qualify for coverage.
Are dogs off leash when outdoors?
  • Unfortunately, we are unable to insure your business at this time as some of the operations do not qualify for coverage.
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

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

  • Employees (including owners)
  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
  • Independent Contractors
  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
Number of Sitters

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

  • Employees (including owners)
  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
  • Independent Contractors
  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
  • Unfortunately, businesses with walkers, sitters or owners with a conviction for fraud or theft do not qualify for coverage.
  • Unfortunately, businesses with walkers or sitters under age 18 do not qualify for coverage.
Maximum number of dogs walked at once, per walker
  • Drop files here or
    Accepted file types: jpg, gif, png, pdf, doc, docx, Max. file size: 300 MB.
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 some of the operations do not qualify for coverage.
Do you need or have a commercial dog walking permit?
Are dogs off leash when outdoors?
  • 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

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

  • Employees (including owners)
  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
  • Independent Contractors
  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
Do you groom animals besides dogs or cats?

  • Teaching or Training (Do you teach or train others?)

Number of Instructors

Note: Pet First Aid Instructors who are contractors require their own coverage.

  • Please enter a number from 0 to 99.
Are all instructors certified as Pet First Aid Trainers?
Other Training/Mentoring/Teaching
  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.

  • Pet Therapy

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

Number of Therapists

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

  • Employees (including owners)
  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
  • Independent Contractors
  • Please enter a number from 0 to 99.
  • Please enter a number from 0 to 99.
Is therapy provided to any animals besides dogs or cats?
Indicate types of therapies performed (check all that apply):

  • Self-Serve Pet Wash

Do you allow pet washing for pets other than dogs or cats?

  • Retail Sales (including online sales)

Do you manufacture products/items?
Do you repackage or relabel products/items?

  • List any other services you provide

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  • Tell us a little bit more about your locations

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  • Choose your coverage

  • Customer's Pets

    Description of coverage

  • Building(s)

Does the building and business have common ownership? i.e., is the business owner also the building owner?

  • We are unable to insure the building if it is owned by someone other than the owner of the business.

Is any portion of the building rented out?
  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
Provide the age of:
Type of heat:
Fuel source for heat:
Electrical system
Outer wall construction:
Roof construction:
Is there a basement or concrete pad foundation?

  • Contents

    Description of coverage

Business Tools, Equipment & Furnishings (excludes vehicles)
  • Please enter a number greater than or equal to 0.

    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 greater than or equal to 0.
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 greater than or equal to 0.

  • Liability

    Description of coverage

Liability Coverage Amount

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

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  • 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?
  • Drop files here or
    Max. file size: 300 MB.
Memberships & Professional Affiliations
  • Drop files here or
    Accepted file types: jpg, gif, png, pdf, doc, docx, Max. file size: 300 MB.
  • Drop files here or
    Accepted file types: jpg, gif, png, pdf, doc, docx, Max. file size: 300 MB.
  • Drop files here or
    Accepted file types: jpg, gif, png, pdf, doc, docx, Max. file size: 300 MB.
  • Drop files here or
    Accepted file types: jpg, gif, png, pdf, doc, docx, Max. file size: 300 MB.
  • Drop files here or
    Accepted file types: jpg, gif, png, pdf, doc, docx, Max. file size: 300 MB.
  • Drop files here or
    Accepted file types: jpg, gif, png, pdf, doc, docx, Max. file size: 300 MB.
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  • Business information

  • Please enter a number greater than or equal to 0.
Do you require Pet owners to sign service agreement/waiver form(s)?
  • Drop files here or
    Max. file size: 300 MB.
  • Unfortunately, we are unable to insure your business at this time as proof of service agreements is required in order to qualify for coverage.
Details of business-related insurance claims

Claims that were made and/or addressed under a Homeowners’ Insurance Policy OR Auto Insurance Policy do not need to be reported here.

  • Claim Month:Claim Year:How much was paid out? 
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  • Contact Information

Contact Information

  • Business Ownership Information

  • First NameLast Name 
Have you incorporated your business (this normally requires a lawyer and you would have a set of Articles of Incorporation)?
Do you have an operating name for your business (this would be the name that your clients know your business by if you have given your business a name)?
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  • Other Information

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  • Declaration & Personal Information Consent

  • Submitting this application allows us to confirm your eligibility, coverage and premium for your business. It does not obligate you to buy a policy – we will only issue a policy if you ask us to!

    If you decide to buy a policy, then this application will attach to and form part of the insurance contract for which you are applying. Any applicant who gives false particulars or knowingly misrepresents or fails to disclose any fact in any part of this application will void the contract of insurance and may subject you to criminal and civil penalties.

    Upon electronic submission of this application, you declare that:

    • the person submitting this application is legally authorized to complete this application and enter into a contract of insurance on behalf of the person(s) or organization applying for the coverage;
    • the information provided is true and correct and you hereby apply for a contract of insurance to be based upon the truth of these statements.

    No coverage is in effect until confirmed by PROfur insurance

    By submitting this application, you also declare that you have read and consent to PROfur Insurance’s Personal Information Policy (“Policy”) for the current and future collection, use and disclosure of personal information in accordance with the Policy. The Policy can be viewed at www.profur.ca/privacy-policy.

    Note that PROfur is operated by KRS Insurance Brokers Inc. Insurance is underwritten by Intact Insurance.

  • I agree to Electronic Communications

  • PROfur and its parent company KRS Insurance Brokers Inc. may contact me electronically regarding my quote and, if I purchase a policy, my policy information, reminder notices, claim assistance, news, updates and promotions. Consent can be withdrawn by sending an email to service@krsinsurance.ca with “Unsubscribe” in the subject line.

  • Policy Issuance Fee Acknowledgement for Saskatchewan Businesses

  • A policy issuance fee of up to $150 will be included in the quote and on future policy renewals should you purchase a policy. The fee is to help cover the costs of issuing the policy. You will be advised of the actual fee amount prior to each policy term.

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

©2019 All Rights Reserved / PROfur is a trademark of KRS Insurance Brokers Inc. and is used under license.

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1-888-577-3210
or
905-853-1992

Are you sure you wish to leave?

To save your progress to finish the application at a later date (within 7 days), click on the button below to generate a unique link for your application. You can also provide your email address to receive a confirming email with the link.

or Exit to profur.ca

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.

Would you like to continue with this application at this time?

Switch to detailed form

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.