The 6 Best Dog Walking Insurance Providers for 2023

Issue #02 | July 5, 2023

Welcome to Pawpreneurs! We're more than just a bi-weekly newsletter – we're your partner in turning your passion for pets into a thriving business. Whether you're a solo operator, a weekend side hustler, or a growing team, we've got your back. Your passion for pets deserves a profitable outlet. Let's transform your dream into a bustling business, one paw at a time. Pawpreneurs is here to guide, support, and inspire.

Are you in search of the perfect dog-walking insurance provider? Look no further! We have curated a list of the top six providers for 2023, each offering exceptional coverage and competitive rates. Whether you're a seasoned dog walker or just starting out, these providers are ideal for anyone seeking quality protection. So, if you're in the market for dog walking insurance, be sure to check out our recommended providers!

In this newsletter, we'll cover various topics related to dog walking insurance, providing valuable insights and information. We'll dive into the basics of dog walking insurance, its importance for your business, and where you can obtain it. We'll also explore the affordability of different insurance options and the benefits of bonding. We'll highlight the key features and advantages of each of the top six dog-walking insurance companies we've identified for you.

Dog walking is a rewarding profession, but it comes with its own set of risks and responsibilities. As a trusted caretaker of someone's beloved pet, ensuring you have adequate insurance coverage to protect yourself and the animals under your care is crucial. We'll guide you through the process of selecting the right insurance and bonding options to provide you and your clients with peace of mind.

So, join us as we explore the world of dog walking insurance and equip you with the knowledge you need to make informed decisions for your business. Let's get started on creating a secure and thriving future for you and your furry clients!

Here are the six best dog-walking insurance companies:

• CoverWallet: Best for online quotation comparison

• Petcare Insurance: Specializing in animal care products

• Professional Group for Alternative Balance: Products for students, professionals, and part-time employees.

• Next Insurance: Low-cost coverage

• Pet Sitters Associates: A comprehensive pet business strategy

• Kennel Pro: Company longevity

You can choose between pet insurance and basic company insurance. Before diving deeper, let’s break down a few things and the importance of insurance when starting a dog walking business.

What Is Dog Walking Insurance?

Dog walkers' insurance is frequently a specialty coverage. For example, Petcare Insurance has specialist insurance plans for dog walkers. Among the items you may see:

• General liability – Covers losses or injuries caused by your company operations.

• Animal bailee – Covers you if an animal in your care is harmed or killed, and you are accountable.

• Vet cost reimbursement – Covers vet fees, regardless of who is accountable, up to $5,000.

• Lost key liability coverage – If you lose a client's keys, this might pay the expense of replacement locks and keys.

These items cover a wide variety of claims. For example, if you're walking a dog and it gets hurt. A dog might bite you when you walk it. You may be covered if your dog damages private property.

Affordability of Dog Walking Insurance

Policies start at $129 per year. The yearly fee makes dog walking insurance relatively inexpensive.

Considering the limitations of many of these plans, this is a great deal. Limits can be as high as $2 million. Instance limitations can be about $1 million. The average animal bailee is $5,000.

Keep an eye on deductibles since they determine how much you spend out of cash before coverage kicks in. For example, Petcare Insurance's vet bill deductible is $250. These are typical veterinary expenditure reimbursement features.

Higher limitations might impact the price. For example, doubling or tripling the animal bailee restrictions increases the annual cost by $19 and $29.

Do you have Dog Walking Insurance and Bonding?

Bonding is a sort of insurance that protects clients from contractor-caused damages and losses. A dog walker's bond protects clients (dog owners) from theft or property damage.

Some states need bonds to register a business. Even if your state does not require it, you should become bonded. It shows your consumers that you are trustworthy and cherish their property.

CoverWallet: Best for online quotation comparison

CoverWallet is a business insurance digital broker. They collaborate with significant business insurers, including Hiscox, Hartford, and Liberty Mutual. They can supply you with many quotations from these partners so you can compare and choose the best. Online quotes are quick and easy. Then you may reach the quotes and pick the cheapest one.

CoverWallet's digital dashboard lets you manage your business insurance plans in one spot. The digital dashboard will enable users to download their insurance certificate, file a claim, or renew their policy.

Petcare Insurance: Specializing in animal care products

Petcare Insurance is the leader in this field. This organization specializes in animal care insurance. The organization includes groomers, pet sitters, dog trainers, and pet boarders.

Because it only works with pet companies, it can offer specialized services like animal bailee and vet expenditure reimbursement. This is the spot to start looking for pet walking insurance.

Quotes from this company are likewise relatively easy. We invested in a dog-walking business with yearly revenues under $100,000. It costs us $129 per year to choose lower-tier limitations.

Professional Group for Alternative Balance: Products for students, professionals, and part-time employees.

This firm also offers dog walking insurance. Insurance for persons in the health, beauty, wellness, and fitness sectors is a specialty of this organization. Its expansion into dog walking insurance comes as a surprise.

It clearly states what you may expect to pay. It covers trade school students ($189/year), per diem workers ($219/year), and professionals ($249/year). Plans include general liability, medical expenditures, personal injury, and advertising injury—more on expenses here.

Next Insurance – Low-cost coverage

This is a leading digital business insurance provider. On one page is dog walking insurance. However, as you scroll down, the items start to seem generic. These include medical expenses, lost wages, and property damage.

Dog walking insurance is the same as business insurance, but you can identify yourself as a dog walker. After that, the system quotes you $8.34 monthly for general liability and $25 monthly for commercial vehicles. This provider may be able to help you find a more reasonable available solution that covers all small business kinds.

Pet Sitters Associates - Business plan for pets

Pet Sitters Associates, a professional organization in the pet care sector, now offers dog walking insurance. Dog walkers are covered by the association's basic pet business insurance. Basic membership is $190 per year and covers general liability and defense costs.

Kennel Pro – Company longevity

Kennel Pro, a generic pet insurance organization, covers Dog Walkers. Mourer Foster Bonds and Insurance, founded in 1933, handles the goods. The site invites you to get a quote by completing a detailed form.

Comparing Dog Walking Insurance Quotes

We used CoverWallet to compare dog walking insurance rates from internet providers. It isn't easy to find specialist dog walking insurance on these sites.

As demonstrated above, many dog-walking goods are industry-specific. With quote comparison sites, you only need to know what you want. For example, CoverWallet's initial page asks for your insurance type. We chose general liability since many dog-walking policies cover it.

You may specify a dog walking service in the system—a three-year-old dog walking business making $35,000 annually.

Final Thoughts

Dog walking has various dangers, such as property damage, dog bites, and injuries. Dog walking insurance can protect you against liability claims from your company operations.

In the pet care sector, dog walking insurance is a niche product. It can thus cover animal bailee, vet bills, property damage, and general liability.

This is cheap insurance, with many policies costing between $100 and $200 per year.

Many pet insurance firms sell dog walking insurance, and some general web brokers give coverage and estimates for dog walkers. It pays to compare.

Until next time!

Valerie & the team at Pawpreneurs!

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