COVERAGE LIMITS OF LIABILITY

Here is the link to the coverage details: https:petcareins.com/

Coverages that come with every policy:

General Liability Aggregate Limit: $2,000,000

The most your policy will pay for bodily injury and property damage claims occurring in the policy’s term that you become legally obligated to pay due to your business services.

Products-Completed Operations Aggregate Limit: $2,000,000

The maximum amount your policy will pay for bodily injury and property damage claims occurring in the policy’s term that result from the products you use to perform your services.

General Liability Each Occurrence Limit: $1,000,000

The maximum amount your policy will pay for bodily injury and property damage claims for each individual incident.

Personal and Advertising Injury: $1,000,000

This coverage helps protect you from claims against your business, like infringed copyrights or reputational harm.

Damage to Premises Rented to You Limit: $100,000

Applies to fire damage to premises rented to you.

Medical Expense Limit: $5,000

General liability coverage that pays for medical expenses to others regardless of who is at fault for causing the injury.

Pet Protection Coverage (Animal Bailee): $2,500 per occurrence/$5,000 aggregate 

Provides pet businesses with coverage if they are legally liable for injuries or damages sustained by an animal in their care, custody, or control.

Vet Bill Reimbursement: $1K Per Occurrence $2.5K Aggregate

This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in insured’s care, custody, or control. For example, a pet comes in sick and you take it to the vet.

Lost Key Coverage limit: $2,000

If the insured lost the keys to a client’s residence, this coverage could help manage the cost of installing new locks or rekeying the building.

Optional add-on coverages:

Animal Bailee options available:

$5,000 per occurrence $10,000 aggregate: +$24.00/year ($1.99 / month)
$10,000 per occurrence/$20,000 aggregate: +$50.00/year ($4.17 / month)
$15,000 per occurrence/$30,000 aggregate: +$100.00/year ($8.33 / month)

Vet Bill Reimbursement options available:

$1K Per Occurrence $5K Aggregate: +$48.00 /year
Deductible: $250

Equipment and Inventory coverage options:

$2,000 per occurrence/ $4,000 aggregate: +$4.08 / month
$5,000 per occurrence/ $10,000 aggregate: +$5.75 / month
$10,000 per occurrence/ $50,000 aggregate: +$22.42 / month

Equipment and Inventory Coverage Deductible: $250

Broadened Property Damage Coverage/Broadened (Optional): $10,000 per incident/ $25,000 per year - $2.42 / month

This is an additional coverage that can help you pay for damages done to a client’s property while caring for their pet.

Cyber Liability Coverage (Optional): $100,000 - +$79.00/year ($6.58 / month)

This covers expenses stemming from a cyber-attack or data breach.

ADD W-2 EMPLOYEES AND INDEPENDENT CONTRACTORS (1099) options:

If you have W-2 employees or contracted workers, they can be added to your policy for an additional fee.

Employee: +$25.00 / year ($2.08 / month)
Independent Contractor: +$50.00 / year ($4.17 / month)

A fee is required for each new worker to be added and insured under your Pet Care policy.

What are my employees or contractors coverage?

The employee or independent contractor would have the same coverage limits. The only difference is they wouldn't have access to make changes to the policy or call on behalf of the policy holder

Employee Dishonesty Coverage (Optional - $10,000 per incident / $25,000 per policy year): +$4.92 options:

This coverage protects the policy holder from financial losses resulting from fraudulent or dishonest of their employee activities. 
An employee would be a W-2 worker or Independent contractor compensated by you. They would also need to be added to the policy.
This coverage is unnecessary if you have no employees or contracted workers.

Can I increase my liability limits?

At this time we are not able to offer more coverage than our standard $1,000,000 per occurrence and $2,000,000 aggregate for the general liability coverage.

Where can this policy be used?

This Pet Care Insurance policy can be purchased in all 50 U.S. states except for Missouri. If you are based in Missouri or outside of the U.S., we recommend seeking a local insurance provider as this policy would not be able to insure you.

Items or circumstances this policy is not designed to insure:

Operations that the policy is not designed to insure

• Any animals owned by the insured for breeding
• Any Breeding operations
• Housesitting operations (without pets present) that generate more than 45% of your annual revenues
• Kennel operations (a kennel or boarding service is defined as having more than 5 pets staying over on a single night)
• Landscaping services
• Livestock or farm animals
• Pet services or daycare operations of more than 10 pets at any one time
• Petcare for animals that are not common household pets (e.g. dogs, cats, birds, rodents and other animals owned for companionship and not for commercial reasons)
• Pet taxi operations of more than 5 pets at any one time
• Practice or participation in any athletic contest, exhibition, activity, game, or sport
• Professional veterinarian services
• Training operations of service, guard, protection, attack, or fighting dogs

Are there any breed restrictions for dogs?

There is not a restriction on this policy for animal breeds.

Can this policy insure farm animals or livestock?

This Pet Care policy is designed to insure household pets only.

Does this policy cover boarding?

This policy is designed to insure the policyholder is watching pets at their location. The limit of pets being watched by all people listed on the policy at one time is 5 overnight and 10 during the day. If you are providing boarding, these same limits apply.

Can I get this insurance for pets that I own?

Pet Care insurance is not designed to insure pets that you own. We have a partner that offers health insurance for your pets. Here is the link: https://www.petcareins.com/pet-health-insurance

How to know if your equipment is insured:

While we cannot say whether something is covered here because there needs to be an investigation by the claims adjuster, equipment insurance is designed to insure the equipment used in your business. A claims adjuster determines coverage of your gear after carefully examining your policy. We recommend that you read through your coverage to understand the policy, and if an incident has occurred, please file a claim.

If you are a pet care provider who owns equipment used for caring for other's pets, adding Pet Care Insurance's equipment insurance to your annual policy is necessary to protect the tools of your trade. While we do not offer an Equipment-only policy, we suggest that you check with a local insurance agent or agency for an Equipment-only policy.

Can I get Automobile (auto or car) liability Insurance?

This policy does not offer car/auto insurance. We recommend that you search for a local insurance agency to find such a policy.

WHO IS AN INSURED

This article is what the policy states who an insured is.

1. If you are designated in the Declarations page of the policy as:

• An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner.
• A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business.
• A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers.
• An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders.
• A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees.

2. Each of the following is also an insured:

• a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your
  "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for:
  
  • "Bodily injury" or "personal and advertising injury":
    
    • To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co-"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business;
    • To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a consequence of Paragraph (1)(a) above;
    • For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (1)(a) or (b) above; or
    • Arising out of his or her providing or failing to provide professional health care services.
  • "Property damage" to property:
    
    • Owned, occupied or used by;
    • Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company).
    • Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager.
    • Any person or organization having proper temporary custody of your property if you die, but only:
      
      • With respect to liability arising out of the maintenance or use of that property; and
      • Until your legal representative has been appointed.
      • Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part.
• Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However:
  
  • Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier;
  • Coverage A does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization; and
  • Coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations.

What coverages or policies can I get outside of the Pet Care Insurance website?

This article goes over what coverages/policies we can provide and coverages and policies that will need to be purchased outside of Pet Care Insurance and it's partners.

Coverages and policy that our partners and us can provide:

Can you provide workers comp?

Workers Compensation can now be applied for from your online dashboard by logging in and clicking the "Workers Compensation Insurance Application". This will take you to our partner Harford's online quoting page. Once the form is filled out and submitted, an agent from Hartford will reach out within 24 business hours to provide a quote, and, if you wish to proceed, will bind the coverage and process the payment during the call.

Workers comp is designed to insure the W-2 workers of your policy in case they become sick or injured while on the job. Different events or landlords may require this. It could sometimes be extended to your 1099 employees, but this is rare. Your business must have at least one part-time W-2 employee to qualify for the policy.

Coverages and policies that our partners and us cannot provide:

Is excess or umbrella available with Pet Care insurance?

First, it is appropriate to quickly review what excess and umbrella insurance are. They both do the same thing by increasing the liability coverage the policy has. For example, if you purchased a policy with one million dollars per occurrence and two million dollars in aggregate but needed to increase one or both of those limits, an excess/umbrella policy would be the best option. The only difference between the two policies is that excess keeps all of the same policy terms as the main policy has, while the terms are slightly different from the umbrella policy. 

At this time, we do not offer excess or umbrella options at this time. If needed, try reaching out to a local agency to see if they would be able to offer additional coverage on top of this policy.

Can I add a bond to my policy?

This policy does not offer or provide bonds. However, we do have the Employee Dishonesty Coverage (Optional - $10,000 per incident / $25,000 per policy year): +$4.92. This coverage protects the business owner from financial losses from fraudulent or dishonest employee activities.

If you have any questions or need assistance please contact us by chat, phone: 844-520-6990 or via email: info@petcareins.com.
For a partnership with Petcare insurance please go here: https://www.petcareins.com/partnerships
If you are an appointed agent or broker, please go here: https://www.veracityvue.com/