Pet Sitter Insurance, why it’s important

April 29, 2009 by Karin
Filed under: Business 

binks_logoI will occasionally meet a client who really doesn’t care whether the pet care provider has insurance. Then I’ll come across other clients who wouldn’t considering hiring someone to come into their home without it.

So what’s the big deal with insurance? Well, that insurance, a Pet Sitter Policy, covers your home in the care of the service provider, your pets, your keys and locks, and everything important to you against injury or damage caused by the sitter or your pets. The special coverage for your pets and home, in the provider’s care, is the Care, Custody and Control extension that is added to the insurance policy. There is also a Lost Key Endorsement on these policies.

This insurance is vital to have. I personally wouldn’t be without it. That insurance is as much for your protection, as it is for the service provider. Ask about insurance. A responsible pet care business owner will have that policy with them in their presentation manual when they first meet you, for you to view.

Some examples of real-life cases where a pet sitters have caused damage through negligence, as reported by an insurance company:

  • A sitter flushed the toilet in the client’s home and the toilet malfunctioned. Water ran all night, flooding the bathroom, master bedroom, and other parts of the house. Insurance payout was over $11,000!
  • A pet sitter lost a briefcase that contained client keys and paperwork. The locks had to be changed on all of the customers’ homes.
  • A dog got away from the pet sitter and attacked the neighbour’s cat. The cat required surgery.
  • The sitter lost the master key to an apartment building. The building had to be rekeyed.

Binks is one of the group policies available to pet sitters in Canada. There are a couple of other group policies as well.

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