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Provided through: |
PSA, Pet Sitter Associates LLC
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Business Insurers of the Carolinas
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Mourer-Foster, Inc.
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Website |
www.petsitllc.com |
www.petsitterinsurance.com |
http://www.kennelpro.net |
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You must be a member of |
PSA (free
membership) |
PSI or NAPPS.
+ $140/year PSI, or
+ $160/year NAPPS
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None |
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Cost per year (annual) |
$174 Base Rate for one member.
Each additional covered person
+$80 each
Coverage for pet owner's home and other personal
property is included in optional "Special Property of Others".
+$100 |
Two plans available.
$274-$499 base rate
for individual policy.
Starting at $325
base rate for standard policy (covers multiple employees, and rates
dependent on gross income). |
Multiple plans available.
The program listed below is the Kennel Pro Silver (Pet Sitters & Dog
Daycare) Package.
$350 base rate
Other plans available are the custom tailored Platinum Package, and the
Gold Package (kennels). |
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Is there a discount available for certification? |
No |
Yes
- 10% |
No |
Is bonding available?
Note: bonding generally applies only when subject is
convicted of theft in criminal court or proven guilty of a crime.
Restitution may be sought by the insurance company. |
Bond available
Included as part of optional "Special Property of Others".
(+ $100, listed above)
Conviction not required - but it must be a criminal act.
Bond does not include the business owner or operators. |
Optional bond available
Includes coverage for business owner, employees, officers, owners, ICs, and
volunteers.
+ $50 to about $400
based on chosen limit and number of employees.
Conviction not required - just proof needed. |
Yes, $5,000.00 bond ( 5 employees or less including owner ) the annual
premium is
+ $100.00 for $5,000
+$101.00
for $10,000.00
+$150 for $25,000 |
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Is theft insurance available |
Yes
Included as part of optional "Special Property of Others".
It includes coverage
for theft, accidental breakage and mysterious disappearance. They will
defend you in court if a client claims you have stolen from them.
(+ $100, listed above) |
No |
Yes
Optional coverage is available at an additional
charge. |
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Liability limits |
$2,000,000 Annual Aggregate
$1,000,000 Each Occurrence
$5000 Medical Expense
$1,000,000
Personal/Ad Inj
$2,000,000
Products/Completed Ops
$100,000 Fire
$5000 Medical
$2000
Lost/stolen key
$1000 Each vet
expense (no liability necessary)
$5000 Aggregate
Vet Expense
$10,000 CCC/Animal
Bailee
Coverage for damage to client's property is optional.
IMPORTANT: You must add the optional 'Special Properly of Others" to cover
things like accidental breakage or damage to the client's property
(such as household items)
caused by you / your children / employees & ICs.
(+ $100, listed above) |
$2,000,000 Annual Aggregate
$1,000,000 Each Occurrence
$5000 Medical Expense
$1,000,000
Personal/Ad Inj
$1,000,000
Prd/Completed Ops
$100,000 Fire
$2500 Lost Key
$10,000+ CCC/Animal
Bailee
Coverage for damage to client's property is included.
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$4,000,000 Aggregate
$2,000,000 Each Occurrence
$5000 Medical Expense
$2,000,000
Personal/Ad Inj
$4,000,000
Prd/Completed Ops
$300,000 Fire
to rented premise
$10,000 Medical
Expenses
$10,000 CCC/Animal
Bailee
Coverage for damage to client's property is included.
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Is care, custody, and control / Animal Bailee included?
(covers if you are liable for damage/death/injury/illness
of a pet - including vet care, property replacement, etc) |
Yes
Up to $10,000 per occurrence of loss to pets.
Note: That's not enough to cover some horses, livestock, and show animals. |
Yes
You choose coverage. Minimum is $10,000. Add up to $275 to premium to
choose higher limits up to $200,000. Per occurrence. |
Yes
$10,000 per occurrence,
Higher Limits Available.
Medical or Replacement. |
Is there coverage for claims with no pet sitter negligence?
(this can be used if you need to take
the pet to the emergency vet and the client is unwilling to reimburse you
for the visit) |
Yes
Limited care of pet is included as "Each Vet Expense" |
No |
Yes |
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Effective date |
You determine effective date. The earliest your membership and insurance
will take effect is the date of postmark on your envelope. |
Policies are only issued effective the first of each month. If received
after the cutoff date (near the first of the month), your policy will not be
effective until the first of the next month. |
Any date you wish to begin coverage. You can call to ask for instant
coverage. |
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FAQ |
FAQ |
FAQ |
FAQ |
Are ICs, spouse & employees covered
Note: ICs should always get their own coverage in the
own business name separately through their own business. It is best
for you to also cover them also with your policy through your business. |
Basically you are covered under the base rate.
Limited temporary help, which is generally help you pay less than $600 per
year, is also covered with no extra charge.
Each other employee/IC/spouse is an additional $80. You do not need to
identify each by name, just buy enough coverage to cover all employees at
one time.
Coverage applies only to legal situations. |
Depends on policy selected - individual policy covers just you and spouse,
standard policy covers everyone over 18 that is employed by you.
Coverage applies only to legal situations. |
Yes, including employees, volunteers, spouses, & children.
Coverage applies only to legal situations. |
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Are under 18 year old employees covered to do pet sits alone? |
Yes
Minor employees of an adult own business can be covered as regular
employees.
PSA will not sell insurance to minors who wish to be self-employed as a
business owner. The business owner (the one getting clients and setting up
the contracts with clients) must be over age 18. |
No
Children under 18 are not covered. |
Yes |
Can I bring my kids to sits?
Note - insurance coverage does not include injuries or
damage to the children or the children's property. |
Yes
You may bring your minor child to pet sits (whether they are helping you or
just tagging along) and your coverage will apply. |
No
Children under 18 are not covered. |
Yes |
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Do I lose coverage if I place a certain # of claims? |
No
They are reasonable - if you are a bad sitter who doesn't work with them on
your claims or who puts yourself at risk for more claims, they'll drop you.
Otherwise they work with you. |
Yes
After 3 claims, you are automatically dropped.
You may be dropped earlier based on severity of claims. |
None |
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Deductible |
No deductible for claims, EXCEPT $500 per incident IF you purposely took an
animal outdoors:
Not on a leash, outside of it's own "above ground fence that will keep pets
inside and people and other animals outside"
Not on a leash, inside of any unfenced yard
Not on a leash, inside of any invisible fence. |
$100 per claim, all claims |
$250 for Care Custody Control Claims
No deductible on liability claims |
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Medicating covered |
Yes
Only if it's legal in your state. |
Yes
if legal in your state (as prescribed & directed by vet & client only) |
Yes |
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Is housesitting (No pets) coverage available/included? |
Yes
Maximum income from house sitting must be less than 25%, and be "incidental"
to your business. |
Optional Housesitting endorsement is available only if house sitting is less
than 45% of business income.
+ $100 |
Yes |
Is pet taxi covered?
Note: No auto-insurance is included - just coverage for
the pet |
Yes |
Yes |
Yes |
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Are overnights at the client's home covered? |
Yes
At a client's home. |
Yes
At a client's home. |
Yes |
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Is boarding / day care covered at your own home? |
Optional 'kennel' coverage available. Required for ANY pets taken to your
home.
+ $165 |
Unknown |
Yes |
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Is grooming covered? |
Optional 'grooming' coverage available.
+ $105 |
Optional 'pet grooming' coverage available.
+ $100 |
Yes |
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Is poo scooping only service (no pet sitting) covered? |
Yes
PSA is promoted by major Poop-scooping only organizations. |
No
Poop scooping only businesses are not covered. Poop scooping only for
clients is not covered (you must be providing pet sitting services also to
the particular client be covered). |
Yes |
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Are all animals covered? |
Yes
Please note that the limit per occurrence is $10,000 - which may not be
enough to cover some horses, livestock, show animals, etc adequately.
Foster pets and visiting animals are covered. |
The PSI March 2006 newsletter says they cover "all animals through 'zebras'
as long as they are truly client's pets."
Examples of non-pet situations: A horse breeding or showing farm, or a
milking barn. Anything that provides income to the owner is likely not
covered. |
Yes
Note that Mourer Foster will strictly reject coverage to sitters who provide
farm / large animal / horse care as more than an occasional part ("small
percentage") of their business. If you have 'equine' or 'horse' in your
business name, you are likely to be rejected.
Additional coverage is available for horses.
Foster pets and visiting relative/friend pets are covered. |
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Is online listing available |
Optional
PetSitFinder.com
+ 10 |
No
(Listing is included with required membership to PSI or NAPPS on their
locators) |
No |
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Insurance Provided By |
Essex Insurance |
Century Surety Company |
CNA |
