Am I covered if a dog gets loose during a walk?

Care, custody & control coverage may help address claims involving injury or loss of a pet while it is in your care during a walk or visit, subject to policy terms and underwriting.

Does my personal auto policy cover me while pet sitting?

Personal auto policies typically exclude business use. Hired & non-owned auto coverage may help extend liability protection for business trips in a personal vehicle, subject to policy terms.

Do I need bonding if I hold client house keys?

Bonding or employee theft coverage is commonly considered for pet sitters and walkers with regular access to client homes and keys.

Can Casurance help with a client's certificate request?

Yes. Upload the client agreement or certificate request and Casurance can review the requested limits and additional insured wording.

How fast can I get a quote for Pet Sitter & Dog Walker?

Most pet sitter & dog walker quote requests are reviewed within one business day. Submit the short form on this page and a Casurance advisor will follow up with Travelers pricing and next steps.

Does Travelers require an inspection before binding coverage?

Inspections are not required for most accounts in this class. Larger accounts, prior losses, or higher-hazard operations may trigger a routine underwriting or loss-control review before or shortly after binding.

Can I get a certificate of insurance the same day?

Yes. Once your policy is bound, Casurance can typically issue a certificate of insurance (COI) the same business day for landlords, general contractors, or clients who require proof of coverage.

Pet CareSIC 0752

Pet Sitter & Dog Walker Insurance in California

Coverage review for independent pet sitters and dog walkers who visit client homes, hold house keys, and walk pets alone or in small groups.

Pet Sitter & Dog Walker Insurance - Travelers commercial insurance coverage

Common Risks & Exposures for Pet Sitter & Dog Walker

Pet injured, lost, or escapes while on a walk or in-home visit
Client alleges property damage or theft during an in-home visit
Multiple dogs on a group walk become tangled, fight, or pull free
Pet sitter's or walker's personal vehicle involved in an accident while driving between clients
Client claims medication was not administered as instructed
Key or lockbox code lost, creating unauthorized home access exposure
Client dissatisfaction over missed visits or service quality

Pet Sitter & Dog Walker Insurance on the job

Coverage Options for Pet Sitter & Dog Walker

Pet sitters and dog walkers are typically written as a monoline GL/CCC package. Client home access and key-holding practices should be disclosed.

General Liability

Protects against third-party claims of bodily injury, property damage, and advertising injury arising from your operations — the foundation of most commercial policies.

Care, Custody & Control

May help address claims involving injury, illness, escape, or loss of a pet while it is in your physical care, custody, or control, subject to policy terms and underwriting.

Professional Liability / Pet Care E&O

May help respond to a client's claim that a grooming, boarding, daycare, sitting, walking, or training service caused injury, illness, or a negative outcome for their pet.

Hired & Non-Owned Auto

May apply when employees use personal or rented vehicles for delivery runs, catering, or other business errands.

Employee Theft

May help address losses when an employee steals cash, retail inventory, or supplies from the business.

Real-World Scenarios for Pet Sitter & Dog Walker

Dog Slips Its Leash on a Walk

A dog pulls free from its leash during a walk and is injured or lost.

Care, Custody & Control

Property Damage During a Home Visit

A client claims a pet sitter accidentally damaged property or left a door unlocked during an in-home visit.

General Liability

Group Walk Dogs Get Tangled

Multiple dogs on a group walk become tangled in their leashes and one is injured.

Care, Custody & Control / Professional Liability

Vehicle Accident Between Clients

A pet sitter's personal vehicle used for business is involved in an accident while driving between appointments.

Hired & Non-Owned Auto

Missed Medication Claim

A client claims their pet's medication was not administered as instructed during a scheduled visit.

Professional Liability / Pet Care E&O

Which Coverage Handles Which Risk?

Risk	Coverage	Example
Pet injured or lost during a walk	Care, Custody & Control	Dog pulls free from a leash
Property damage during a home visit	General Liability	Item damaged while pet sitting
Medication not administered as instructed	Professional Liability / Pet Care E&O	Client claims a missed dose
Vehicle accident between client visits	Hired & Non-Owned Auto	Personal vehicle used for business
Client alleges theft during a visit	Employee Theft / Bonding Review	Item reported missing after a visit
Client requests proof of coverage	Certificate Review / Additional Insured Review	Property management requires a certificate

Lease, Permit & Certificate Requirements

Certificate of Insurance naming your landlord, shopping center, or lender as additional insured, as required by most commercial leases

Care, custody & control or animal bailee limits disclosed and matched to your maximum number of animals in care at one time

Current business license and any local animal control, kennel, or facility permit on file

Proof of workers' compensation coverage for any W-2 employees, per California labor law

Client waivers, service agreements, or boarding rules disclosed so coverage matches your actual operations

Upload your lease, kennel permit, or landlord requirement so we can confirm your certificate meets the exact wording requested

What Underwriters Ask About Pet Sitter & Dog Walker

These are the main quote factors Travelers underwriters typically review for this class:

Annual revenue
Solo walks or group walks?
Number of clients served monthly
Do you hold client house keys?
Do you use a personal vehicle for business?

Have an Expiring Policy or Loss Runs?

Upload your current declarations page, loss runs, or CSLB/license documentation with your quote request and we'll factor them into your pet sitter & dog walker quote — often speeding up turnaround time.

Frequently Asked Questions

Related Pet Care Classes

Pet Groomer Insurance Pet Boarding & Kennel Insurance Dog Daycare Insurance Pet Trainer Insurance Pet Store Insurance

Get a Pet Sitter & Dog Walker Insurance Quote

Tell us about your business and Casurance can help you review Travelers coverage options for pet sitter & dog walker.

Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage.

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Type of Pet Care Business

Coverage Needed

General LiabilityCare, Custody & ControlProfessional Liability / Pet Care E&OHired & Non-Owned AutoEmployee Theft

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