Frequently Asked Questions
Liability:
What are the liability limits available on the general liability policy?
The liability limits are $1 million each occurrence with $2 million aggregate.
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 dog not in my care?
Covered up to the policy limit of $1,000,00.
How much coverage will I have if the client's home is damaged under my watch?
The client's home is covered up to the policy limit of $1,000,000.
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 Contractor's (IC) covered under my general liability policy?
Yes, IC's are automatically included under the pet sitting policy for liability coverage only. This coverage does not provide Workers Compensation benefits. IC's are responsible for obtaining their owne Work Comp coverage for work-related injuries.
For pet training, grooming and boarding kennel policies, IC's must be individually added to the policy at an additional cost of $25 per contractor.
Do I have coverage if I lose the keys to a client's home?
Yes, you have coverage up to the policy limit of $2,500 for lost key coverage.
Care, Custody, or Control (CCC)/Animal Bailee:
Will I have coverage for veternarian bills if the pet in my care is injured?
Yes, veternarian bills are covered under care, custody, or control (ccc) covereage up to the each occurrence limit you choose. Availabe coverage limits range from $10,000 to $200,000 each occurrence.
Does the policy cover damage to the client's personal belongings if damaged?
Yes, contents of the client's home are covered under care, custody, or control (ccc) coverage up to the each occurrence limit you choose. Available coverage limts range from $10,000 to $200,000 each occurrence.
Are there any breed exclusions?
The policy does not have any breed exclusions.
Does the policy contain any limitations or exclusions for animals with pre-existing health conditions?
Veterinarian expenses arising out of the health conditions that existed prior to you having the animal in your care, custody, or control (ccc) is not covered.
Are pets covered while in my vehicle?
Pets are covered while in your auto if injured up to the care, custody, or control (ccc) limit you choose. Please note: the policy does not cover any damage the animal may do to your vehicle.
Does the policy provide coverage for administering veterinarian-prescribed medications to pets?
Yes, medications prescribed by a veternarian may be administered as directed. We recommmmended that you keep the veterinarian's instructions and the pet owner's authorization on file.
Optional Coverages:
House Sitting Coverage
This coverage is needed when providing house-sitting services without a pet present, such as collecting mail, watering plants, or turning lights on and off.
Does the policy cover damage to the client's personal belongings if damaged?
Yes, contents of the client's home are covered under care, custody, or control (ccc) coverage up to the each occurrence limit you choose. Available coverage limts range from $10,000 to $200,000 each occurrence.
Pet Daycare/Kennel/Boarding Coverage
This coverage is needed when providing daycare or overnight boarding services for client's pets, whether in your home or at a designated facility. This coverage is available under the Pet Training and Pet Grooming policies.
Pet Grooming Coverage
This coverage is needed when providing grooming services to pets, including trimming hair, clipping nails, or expressing anal glands.
Pet Training Coverage
This coverage is needed when providing training services to pets, either individually, in group classes, or with their owners. Please note the policy excludes training related to protection, attack or fighting, and police work.
Limited Dog Trainer Professional Liability Coverage
Provides protection against claims arising from your professional dog training services, including situations where a client alleges that their dog was improperty or inadequately trained and files a lawsuite after the training is complete. Limits available range from $25,000 to $250,000. Coverage is available under Dog Training and AAAIP policies.
Pet Sitting/Dog Walking Coverage
This coverage is needed when providing pet sitting or dog walking services to client's pets while they are in your care.
Non-Owned Auto Coverage
This coverage is needed when employee's or independent contractors (IC) use their personal vehicles for business related activites, such as traveling to a client's home. The driver's personal auto insurance provide primary coverage and the non-owned coverage would provide secondary liability protection for the insured's business. Please note: This coverage does not cover damage to the driver's personal vehicle or provide personal auto liability protection for the employee(s) or IC(s).
Bond
Provides protection against theft of client's property by your employees or independent contractors (IC) with whom you have a written contract. It must be proven that the employee or the IC stole the missing property from the client's home. Limits available are from $5,000 to $50,000.
Claims:
Do I have a deductible if I make a claim?
Yes, currently $250.
Do claims impact by coverage?
Yes, if you have to many claims, the insurance company will typically raise the premium or non-renew your coverage.