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Pet Sitting Insurance

Join our family of pet carers who get comprehensive pet business insurance cover at a competitive price.

Pet Sitters Insurance

Pet sitting can involve owning your own pet day care business, staying in customers' homes looking after their pets while customers are at work or away or simply walking customers’ dogs.

Whether you're a professional pet sitter working alone, or running a larger pet sitting business, we've got you covered. We can find you the most appropriate pet sitting insurance for pet day care, pet sitters insurance, dog walkers insurance and more, based on your individual needs. If you're a dog walker - have a look at our dedicated dog walking business insurance page.

Key features and benefits

  • Quotes from a panel of A-rated insurers.
  • Single, flexible policy — tailor-made to suit your requirements.
  • Dedicated adviser throughout your policy.
  • No mid-term amendment fees should you need to make a change.
  • Policies include up to £5 million for public and product liability. 
  • Access to a 24-hour legal helpline.
  • Flexible payment options including direct debit.
  • Access to documents anytime, anywhere via our secure portal.

Get a pet sitting insurance policy now 

Join our family of pet care customers today.

Our Pet Sitting Insurance Cover

Available Covers*

  • Business interruption.
  • Employers liability.
  • Legal defence costs.
  • Money insurance.
  • Personal accident cover.
  • Property damage.
  • Public liability insurance and product liability.
  • Stock.

What Type of Pet Sitting Insurance do You Need?

There are a number of key insurances you should consider including in your business insurance policy.

  • Public liability – Available to all types of pet businesses and very important as it’ll cover you if someone is injured or their property is damaged whilst you’re working for them.
  • Product liability – If you sell items such as leads, collars or other pet equipment, product liability will cover you if one of the products you sell or manufacture causes damage, injury or illness.
  • Treatment liability – This is primarily for pet grooming businesses, so you need to consider if your pet sitting business is likely to expand to cover grooming.
  • Employers liability – Cover for your employees should you have them, whether they are on a casual, temporary or permanent basis.
  • Care, custody and control – This covers loss by theft, loss or death of an animal in your care. Some policies also include rewards costs.
  • Non-negligence – Covers injury to an animal in your care but only if it isn’t due to your negligence.
  • Loss of client's keys – As a pet carer, you’ll often be entrusted with your customers’ keys to let yourself in and out of premises. This cover will protect you in case you misplace a customer’s keys.
  • All risks – This insurance will protect you if you operate on a mobile basis, own your premises or work from home but also undertake activities away from premises.
  • Stock and contents – Cover for all of your business stock and contents.
  • Equipment cover – Cover for your equipment against theft, loss and accidental damage.
  • Buildings – You may want to consider buildings cover if you care for the pets at your own premises rather than at a customer’s address.
  • Business interruption – If an incident leaves you unable to operate your business, this cover can protect your loss of income/gross profit.
  • Personal accident – If you find yourself injured by an animal in your care, unfortunately business interruption wouldn’t cover you in these circumstances, therefore you would need personal accident insurance.
  • Legal expenses – Cover for your defence costs should you find yourself in a legal battle.
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We're Here For You...

Want some free advice and expert guidance to help grow and protect your business?

  • Access our free business insurance check to make sure you have the right cover.
  • Download 'how to' guides for boosting success.
  • Hear from other business owners like you.
  • Set renewal reminders and calculate staff turnover costs.
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Your Success = Our Success.

  • We’ve been helping protect businesses like yours since 2002.
  • Access to A-rated insurance companies in the UK.
  • We search the market for you to save you valuable time.
  • Genuinely affordable pricing with no hidden fees.
  • Deep expertise on hand when you need it.

Want to know more about us and how we wouldn't exist without you?

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

Pet Sitting Insurance FAQs

Pet sitter insurance is a business insurance policy that will protect you should anything go wrong such as misplacing a customer's keys or injury to an animal in your care. The cost of your pet sitting policy will depend on how much cover you need for each policy type. To discuss your options please call our friendly team today. They’ll make sure your policy only covers the things you need, and nothing you don't. Smei offers quotations to anyone over the age of 18. No unfortunately not, cover will only extend to work carried out in the UK. No, provided you disclose your full business activities, and these are accepted by your insurer you will not require a separate insurance policy for dog walking. Animals registered under The Dangerous Dogs Act 1991 and The Dangerous Dogs (Amendment) Act 1997 are usually excluded by insurers. Dogs under the age of 8 weeks old are typically excluded from cover as well. If the dog bites a member of the public whilst in your control this would fall under your public liability insurance. If an employee is bitten this would be covered under your employers liability insurance. However, if you are bitten, a standard salon package insurance may not cover you for your own loss of earnings and you may need to purchase personal accident cover.
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