Pet Sitting Insurance
Insurance for pet sitters, including 14 different activities, from only £5.41 per month.
- Protecting over 30,000 pet care professionals
- Flexible payment plans at 0% APR
- Public Liability up to £10 million
- Vet bills & equipment covered
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From £5.41* per month
What does pet sitting insurance cover?
Our insurance for pet sitters provides essential protection against everyday risks, including standard public liability cover. You can select the level of cover that matches your business needs.
We offer specialist options such as loss of key cover, equipment cover, and care, custody, and control, all can be customised to meet your specific needs. Whether you operate an ad hoc pet sitting service or day to day, at your home or at your clients’ homes, our customer support team is ready to help you choose the right coverage and answer any questions you may have.
Our policy includes 14 pet care activities, all our Pet Business Insurance policies include cover for dog walking, dog grooming, cat grooming, mobile dog grooming, mobile cat grooming, dog training, dog hydrotherapy, pet behaviourist, pet home boarding, pet microchipping and pet minding.
Make sure you have the correct insurance for the activities you offer and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Loss of Keys
Care, Custody & Control
Equipment
Close Family Extension
Public Liability
- Up to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Loss of Keys
- Key Cover up to £10,000.
- Cover includes new keys and locks, the cost of re-setting intruder alarms and associated call-out costs if you were to lose them.
Care, Custody & Control
- Cover up to £100,000 – £25,000 limit for any one Animal.
- If an animal in your care (or your staff) is: Accidentally lost, suffers an injury, becomes ill, suffers a fatality.
Equipment
- £250 of equipment included.
- Increase up to £30,000 of equipment cover.
- Grooming, training and other business tools covered.
- Protection against theft, loss and accidental damage, allowing you to replace items to the value you select.
Non-Negligent Cover
- Similar to the Care, Custody and Control protection If an animal suffers during the course of service delivery through no fault of your business:
- Accidental loss, injury & illness, death of an animal in your care.
Close Family Extension
- Close family members are covered within the Public Liability, to assist you with your business. This includes your husband, wife, son, daughter or other close family.
- You don’t need to take out Employers’ Liability with this extension.
Loss of Money
- Cover for losses up to £1,000 or £5,000 of physical money (coins or notes) obtained through your insured activities. This money is covered while at your business premises, your home, or the home of any partner, director, or authorised employee, as well as when in transit for business trips.
- Up to £1,000 of cover for losses due to dishonest acts by any employee. Claims must be made within 14 days of discovering the loss, and you should take all reasonable steps to prevent such losses.
Travel Expense Reimbursement
- If a pet in your care is accidentally killed, stolen, or goes missing for more than 48 hours, we’ll cover the owner’s extra travel expenses. So, if the owner has to cut their holiday short because of their pet’s death, for example, we’ll reimburse up to £1,000 of their extra costs.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Legal Expenses
- Up to £100,000 indemnity for legal defence and tax protection.
- Access to 24-hour helpline, for legal, tax, or counselling, to support you in running your business.
Professional Indemnity
- Up to £1 million.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Personal Accident
- Up to £25,000, subject to those insured being under eighty (80) years of age.
- This policy covers specified individuals for any accidents that may occur while conducting the insured business activities. It is a benefit policy that provides fixed amounts based on the type of injury sustained, including coverage for accidental death, loss of sight or limbs, and temporary total disablement.
- Dog walkers are limited to walk a maximum of 6 dogs at one time.
- Dogs or crossbreeds of dogs classified under the Dangerous Dogs Act 1991. Refer to government websites for updates in the law.
- Pre-existing medical conditions in animals.
- Injuries to animals you own can occur during incidents that happen while caring for other animals or during your personal time.
- Caring for non-domestic animals.
- Your business operating without a licence when a licence is a mandatory requirement e.g. animal boarding.
For further information on exclusions in your cover please refer to policy documentation.
Frequently
Asked Questions
What pets are covered?
At Protectivity, we cover most domestic animals as standard as part of our pet sitting insurance cover including dogs, cats, rabbits, guinea pigs, reptiles, fish and more. If you’re unsure as to what cover you need, give us a call today on 01494 887909
Do you need a licence to be a pet sitter?
In the UK, you generally do not need a specific license to be a pet sitter. However, if you’re planning to operate a business that involves the care of animals, there are certain regulations and guidelines you should be aware of:
Animal Welfare Act 2006: Any person responsible for a pet must ensure the welfare needs of animals are met. This includes providing a suitable environment, food and water, the ability to exhibit normal behavior patterns, appropriate companionship, and protection from pain, suffering, injury, and disease.
Local Council Regulations: Depending on the specific services you provide and how you operate your business, you might need to comply with certain local council regulations. For example, if you look after dogs from multiple households at your own home, you may need a home boarding license.
DBS Check: Although not mandatory, having a Disclosure and Barring Service (DBS) check can be beneficial for building trust with your clients, as it shows you do not have a criminal background.
Do you need insurance to be a pet sitter?
As a pet sitter, you’re responsible for the care and protection of your client’s pets whilst they’re in your care. It is strongly advised that you get adequate cover for your business to protect against things like injury to yourself, another person or the pet, equipment damage, or loss of client’s keys.