How much coverage will I have if a dog in my custody bites someone?
Covered up to the policy limit of $1,000,000. Some of our competitors limit dog bites to $100,000, meaning you would not have the full $1 million in coverage.
How much coverage will I have if a dog in my custody bites another animal?
Covered up to the policy limit of $1,000,000.
Will I have coverage for veternarian bills if the pet in my care is injured?
Yes, if you purchase Care, Custody and Control Coverage (CCC).
Limits available from $10,000 to $200,000.
How much coverage would I have if the home I am responsible for is damaged under my watch?
Up to the policy limit of $1,000,000.
Do I have coverage if I lose the keys to a house?
Up to the policy limit of $2,500 for Lost Key Coverage.
Can I get bonded in case something is missing/stolen from a house under my watch?
Bond limits from $5,000 to $50,000 are available.
If I have to transport an animal in my car, will I have coverage if the pet is injured?
If you purchase CCC coverage, you will be covered up to that limit.
Are employees of my business covered under my general liability policy?
Yes, for liability claims only. You will need workers compensation coverage for employee injuries.
Are Independent Contractors covered under my general liability policy?
Yes, automatically covered for pet sitter endorsement.
For trainers, house sitters, groomers and kennels they must be added to the policy.
Do I need Workers Compensation coverage?
If you have employees, yes. You are responsible for injuries to your employees.
Do I have a deductible if I make a claim?
Yes, currently $250.
Do claims impact my coverage?
Yes. If you have too many claims, the insurance company will typically raise the premium or non-renew your coverage.
Does defense coverage reduce the amount of coverage I have in a claim?
Not with our policy. Some of our competitor policies will reduce the $1,000,000 in coverage by the amount of Defense dollars paid.
