Business Insurance for Pet Sitters
Pet sitting puts you in someone's home with their most loved family members. If a pet is injured, a home is damaged, or a pet escapes on your watch, you need the right coverage in place.
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Coverage Types for Pet Sitters
These are the key insurance policies most relevant to your business type — ranked by importance.
General Liability
RequiredThe foundation of pet sitter coverage. Covers bodily injury to third parties (a pet biting a neighbor), property damage in the client's home, and pet escape/loss liability. Required by most pet sitting platforms and client contracts.
Care, Custody & Control (CCC)
RequiredStandard GL policies exclude property in your care, custody, and control. Pets in your care are not covered under standard GL unless a CCC endorsement or pet-specific policy is added. This covers veterinary costs and liability if a pet in your care is injured, becomes ill, or dies.
Commercial Auto
RecommendedIf you transport pets to vet appointments, parks, or between sitting locations, personal auto policies may exclude regular commercial use. Hired/non-owned auto or a commercial auto endorsement covers you while driving for business.
Bonding (Surety Bond)
RecommendedA pet sitter bond protects clients against theft by you or your employees while in their home. Many clients and platforms require bonding as a trust signal — "bonded and insured" is a professional standard in the pet care industry.
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What You Need to Know
- →"Bonded and insured" is the professional standard for pet sitters — clients ask for it, and platforms increasingly require it to list or accept premium gigs.
- →Care, Custody & Control coverage is the gap in standard GL that catches most pet sitters off guard — if a pet is injured or dies in your care, standard GL will not pay without CCC.
- →Rover and Wag provide some coverage for sitters on their platforms, but limits are low and coverage has significant exclusions — your own policy is still essential.
- →In-home pet sitting access creates property damage and theft exposure beyond just pet care — a bond protects clients and establishes trust for long-term relationships.
- →ERGO NEXT covers pet sitting, dog walking, and related pet care businesses with instant online quotes.
What Does It Cost?
Solo pet sitters: $30–$60/month for GL + CCC + bonding. Multi-sitter businesses with employees: $100–$200/month. Platforms like Rover provide some coverage — verify the scope before relying on platform policies.
Frequently Asked Questions
Frequently Asked Questions
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