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Pet Sitter Insurance

If you care for other people’s pets, you’re taking on more than just walks and feedings. You’re responsible for someone’s animal—and their property—every time you show up for a job. Pet sitter insurance is what helps cover you if something goes wrong. A dog slips out the front door. A cat knocks over an expensive lamp. You might never need to file a claim, but having coverage gives you the freedom to do your job without worrying about every what-if.

General Liability Insurance for Pet Sitters

General Liability Insurance for pet sitters is how you protect yourself and your business financially if accidents happen. Accidents can cause physical body injuries to people, or they can cause property to be damaged. If either of these things happen while you're providing petting sitting services, your company can be held liable. But whether you choose to provide services from your own home, or you go to the client's location, this insurance coverage keeps you protected from costly claims.

Claim Example: What's Covered?

  • A client trips over a leash during drop-off and gets hurt. Your general liability coverage can help with their medical bills and any legal trouble that follows.
  • You’re watching a dog at someone’s house and knock over a glass of water—right onto their laptop. Your policy helps pay to replace it.
  • A pet in your care bites someone who stops by. If they need medical attention or take legal action, general liability steps in to help cover the costs.

BOP Coverage for Pet Sitters

One way to protect your business property is by bundling it with your general liability insurance. That kind of combined coverage is known as a Business Owner’s Policy, or BOP. It can help if your equipment is damaged, your supplies are stolen, or something unexpected shuts you down for a while and costs you income.

Claim Example: What's Covered?

  • A fire breaks out at your home office and damages your gear—pet supplies, electronics, furniture, all of it. A Business Owner’s Policy (BOP) can help cover what it costs to replace everything, plus any income you miss out on while you get back on your feet.
  • Someone swipes your supplies and equipment while you’re on a job. Your policy helps cover what was stolen so you’re not left paying out of pocket.
  • Your workspace takes a hit during a storm. While you're shut down, a BOP can help with both the repairs and the money you’re not making.

Workers' Compensation for Pet Sitters

If you have anyone helping with your pet-sitting business—whether it’s staff, assistants, or contractors—you’ll have to get workers’ compensation insurance. It helps cover medical bills and lost wages if someone gets hurt while working. Most states require it, and it also protects your business from having to cover those costs out of pocket.

Claim Example: What's Covered?

  • Your assistant suffers a severe dog bite during a client visit. Workers’ comp helps with doctor bills and whatever income they miss while they’re out.
  • Someone on your team is mopping up after a long day and ends up slipping hard. If they’re hurt, your insurance can help with the medical stuff and the missed time at work.

What Else Do Pet Sitters Need?

Pet sitters should consider additional insurance coverage to fully protect their businesses:

  • Professional Liability (Errors & Omissions): If a client sues you because they think you were negligent or made mistakes, you'll need this.
  • Animal Bailee Coverage: This is special insurance that covers injuries, loss, or death of pets while they're in your care, custody, or control.
  • Commercial Auto Insurance: If your business involves transporting pets in your vehicle, a personal car insurance policy will not cover business losses and injuries.
  • Cyber Liability Insurance: If you store client and business information on a computer, and particularly in the cloud, this coverage protects you from losses caused by cyber-attacks and data breaches.
  • Commercial Property Insurance: If you run your business out of a physical location—like a pet care shop or boarding space—this type of coverage helps protect the building and anything you use to do your job.
  • Umbrella Insurance: This kicks in when a big claim goes over what your regular policy covers.

FAQs For Pet Sitter Insurance

How much does this usually cost?

There’s no one-size-fits-all price, but most pet sitters pay a few hundred dollars a year.

Where can I get insurance for my pet-sitting business?

Plenty of providers offer pet sitter policies online, and some local insurance agents may be able to help too—especially those familiar with small business or service-based coverage.

What’s an additional insured endorsement?

This is something clients or landlords might ask for. It adds their name to your policy so they’re covered under your insurance while you’re working with them or using their property.

What’s a certificate of insurance?

Basically, it’s a short doc that proves you’re insured. Clients might ask for one before they work with you, just to cover their bases.

Any tips for saving money on business insurance?

Yep, bundles. Bundle what you can, skip anything you don’t actually need, and check in once a year to see if you’re still on the right plan.

Why Choose USA Insurance

Pet sitting means more than showing up for a job—it means someone is trusting you with a part of their family. That kind of responsibility deserves real protection. USA Insurance is here to help you get coverage in place without turning it into a hassle.

We’ve worked with all kinds of pet sitters—some who are just getting started and others who’ve been doing it for years. Wherever you are in your business, we’ll walk you through what coverage makes sense and what you can skip.

You won’t get passed around or stuck waiting on a reply. If you need something, you’ll talk to a real person who’s actually familiar with your policy. 

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