Business Insurance for Pet Sitters

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Pet Sitter
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Caring for a client’s pet is a big responsibility. If a cat runs away or a dog is injured, you could face a lawsuit. Pet sitting insurance protects your business, your clients, and their pets.

Pet sitter opening door of apartment with a dog and cat.
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Insureon helps pet sitters compare insurance quotes from top U.S. carriers with one easy online application.

What types of business insurance do pet sitters need?

These policies provide coverage for the most common pet sitting risks.

General liability insurance icon

General liability insurance

This policy covers basic pet sitting risks, such as accidental pet injury or customer property damage. Bundle with property insurance for savings in a business owner’s policy.

  • Pet injuries
  • Customer injuries
  • Damaged client property
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Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for pet sitting businesses that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance under one plan. A BOP is often the most cost-effective type of commercial insurance for pet sitters.

  • Pet injuries
  • Customer injuries
  • Damaged business property
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Errors and omissions insurance

E&O is also called professional liability insurance. It covers legal expenses related to work performance, such as a lawsuit over a pet injury from alleged negligence.

  • Missed pet sitting appointments
  • Accusations of negligence
  • Mistakes or oversights that lead to pet injury
Looking for different coverage? See more policies.

Why do dog and pet sitters need business insurance?

Every time a pet sitter takes on the care of an animal, there's a risk of injury to both pets and people. Pet sitter insurance protects against the unique liabilities of running a small pet sitting business, including lawsuits filed by pet owners and medical costs from injuries.

How much does pet care business insurance cost?

Woman holding cat considering costs of pet services.

Several factors will have an impact on insurance costs, including:

  • Pet care services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Pet Sitter