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USA
Pet Sitter Insurance Comparison Chart The USA Insurance Comparison chart has been moved to a printable page. Click HERE to view the U.S.A. chart. |
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Canada Insurance Comparison Chart (as of 2006-06-02, updated 2007-10-01): | |||||
| Provided Through | Binks | Verge | Schofield-Aker/Aviva | Horizon | |
| You must be a member of | PSI | None | PDWAI/IACP | ACPSN | |
| Cost per year | Basic program is $600, but there may be additional premium
depending on the size and scope of services offered. Plus membership to PSI ($114 or $104 USD for canadian members) |
$625 plus $50 P.S.T. |
$700 plus 8% P.S.T. totaling $756.00, Plus associate or higher membership to PDWAI/IACP ($50-$75) |
$575 plus P.S.T. Plus membership to ACPSN ($70 first year, then $40) | |
| Website | www.binks.ca | www.vergeinsurance.com | www.dogpro.org | www.acpsn.com | |
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Bonding Available Note: bonding generally applies only when subject is convicted of theft in criminal court. Business owner repays any bonding company payouts |
Bond included with Third Party extension. Coverage is further expanded to include the principal and any independent contactors within the definition of "employee". | Bond Included | Employee Dishonesty with Third Party Extension (appears to be included ?) | Bond Included with Third Party Extension | |
| Cover Care Custody and Control (how much they'll pay if you kill a pet!) | Included, subject to a limit of $500,000. Coverage applies to damage to a pet or to damage to the contents of a client's home. | Included, up to $20,000 per occurrence of loss to pets | Included, up to $20,000 per occurrence of loss to pets |
$5000 or $10,000 per animal
$10,000 per occurence | |
| FAQ | FAQ | ||||
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ICs, Spouse &
Employees covered Note: ICs should get their own coverage separately through their business.
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Yes | Yes, but must be bondable | Unknown | Yes | |
| Are Under 18 year old employees covered, and Can I bring my kids to sits | Yes, but Binks strongly recommends that employees and IC's be carefully screened regardless of age. | Unknown | Unknown | No and No | |
| Deductible | $500 property damage | $500 to business property | $1000 to all coverages |
$250 crime / lost key / bond issues $500 all other claims | |
| Grooming / Nail Clipping covered | Yes, if incidental to overall pet-sitting operations. | Unknown | Unknown | Probably | |
| Day Care / Boarding Covered (in sitter home) | Yes, but if your operations are more like a kennel, Binks will arrange coverage differently. | Yes | Unknown | Yes | |
| Housesitting (No pets) covered | Yes, if incidental to overall pet-sitting operations. |
Yes | Unknown | No | |
| Medicating covered | Yes, but with controls. Contact Binks for further discussion. | Unknown | Unknown | Yes | |
| Limits on #of Claims | No | Unknown | Unknown | No | |
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Is Pet Taxi covered Note: No auto insurance is included - just coverage for the pet |
Yes | Unknown | Unknown | Yes | |
| Are overnights covered | Yes | Yes, both in YOUR home or the client's home | Unknown | Yes | |
| Is Poo Scooping with No Pet Sitting Covered | Yes, if incidental to overall pet-sitting operations. | Unknown | Unknown | Probably yes, under lawn care | |
| Are all animals covered | Yes, but if horses or rare/exotic animals are involved, Binks should be advised. | A sitter was told that they will cover backyard animals, such as a cow, if and only if there is also an indoor domestic animal to care for. We have not verified that. | Unknown | Yes, but large show animals and agricultural animals excluded. | |
| Insurance Provided By | ING Insurance Company of Canada | Unknown | Unknown | Aviva Insurance Company of Canada | |
| Other Questions | Place a claim even if you think you are not covered. Adjusters have the job of finding out what your coverage really is, so it can't hurt to file a claim (unless you are filing many and are about to get dropped). | ||||
| Other Countries: |
| Australia Barker Meier |
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