Do I need insurance for dog walking? What Insurance Needed

A dog walker’s dream is to make a living doing what they love, but it’s not without risk. You could be held liable if your dog bites someone while you’re walking it.

Nevertheless, many dog walkers do not consider the significant costs associated with injuries to pets and damage to your property.

If you own a dog walking business or work as an independent contractor earning extra money, dog walking insurance and bonding are a must. A business owner, a client, and their pets are all protected from financial ruin if an accident occurs.

Dog walking can be a dangerous activity that requires special equipment; therefore, you should have liability coverage and workers’ compensation protection in place.

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Top 5 smartest Dog Breeds

What Insurance Do I Need For A Dog Walking Business?

No matter how big or small your dog walking business is, insurance is crucial. You will not only come across as more professional and more appealing to clients, but you could save thousands of pounds if things go wrong.

Several key benefits are typically included in dog walker insurance policies. These are the six things to keep an eye out for.

Visit our Dog Walking Insurance page to get an instant quote as soon as you know what coverage you need.

Public Liability

Whenever you walk a dog, you will likely come into contact with a great number of people. You are covered if a member of the public is injured as a result of your business’ actions if you have Public Liability insurance.

When you are walking a dog and become separated from it due to your lack of care and attention, and the dog attacks a third party, you may be sued for damages.

In this case, you would be covered by your Public Liability insurance, which means that solicitors’ fees and subsequent settlement of the claim would be covered by the policy.

Property damage is also included in public liability. In the event that you or a member of your staff cause damage to a third party’s property, your insurance company will cover the legal defense and settlement.

Non-Negligent Cover

It is similar to Care, Custody, and Control, with one slight difference. If an animal in your care suffers an injury that was not your fault, this protects you. If the pet’s owner is compensated by an insurance policy, the vet bills will be covered as well.

Care, Custody, and Control

Care, Custody, and Control coverage protects the dogs you interact with every day. It is an essential part of any pet insurance policy.

A dog in your care, custody, or control is most likely to benefit from the benefit when he is injured, goes missing, or on rare occasions, dies. If you have insurance, any vet bills resulting from the incident will be covered. 1

Dogs with disabilities or medical conditions are not covered because this covers your negligence.

Equipment Cover

Even if you only use collars, leads, and little else to walk your dog, you should protect what you do have. You may be eligible to make a claim if your tools of the trade are damaged or lost if you have good equipment cover in place.

Employers’ Liability

This is not necessary if you work on your own. Employers’ liability insurance is a legal requirement if you employ any paid or voluntary staff. All close family members are covered by Protectivity.

Employers’ Liability insurance is not necessary for this instance, but you should always check your coverage when purchasing insurance.

When a dog walking employee sues you because of an injury, this cover protects your business. In the same way as Public Liability, the defence costs and the settlement of the claim will be handled by your insurance.

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Loss of Keys Cover

Clients may give you the keys to their properties. The loss of keys to a property can have large consequences if you need to gain entry.

It isn’t cheap to replace the locks that will need to be broken in order to gain access to the property. For the new locks that have been installed, you will need new keys cut.

Additionally, it is possible that by breaking into a property an intruder alarm will be triggered. Typically, your policy will cover the costs of resetting the alarm, as well as the cost of ordering new locks and keys if the alarm needs professional attention.

How To Get Bonded And Insured For Dog Walking?

Despite the increasing popularity of professional dog walking, not all insurance companies offer dog walking policies. Research is important to find a reliable insurance policy.

Veracity Insurance Solutions as well as Lloyds of London offer Pet Care Insurance. Additionally, you can consult with a local insurance professional or ask fellow dog walkers for their recommendations.

You should also check the bonding requirements in your area in addition to insurance for dog walking businesses. Many pet sitting or dog walking insurance companies also offer bonding.

Bonding: Why Is It Important?

In the first place, what is bonding? It is an insurance policy that protects your customers from any losses resulting from the contractor (the walker). If your dog is stolen or damaged, your clients will be compensated for their losses by being bonded.

States have different bonding requirements. Bonding may be a requirement for registering your business and purchasing insurance in some states. It is still important to get bonded, regardless of whether it is optional in your state. But why?

It is a good business practice to purchase a pet sitting bond. Bonded contractors can reassure potential clients that they can trust you and that they won’t abuse access to their home or the wellbeing of a family member.

You should obtain a fidelity bond for your business if you have employees. In the case of dishonest acts by your dog walking staff, you will be covered by this type of bond.

How much does dog walking insurance cost?

Dog walking insurance is often priced based on the number of dogs you walk per week, the amount of time spent walking them each day, and the distance travelled.

The average price for a one-dog owner is between $100-$200 per year. However, this figure could vary depending on how many times you walk your dog per week, the length of walks and where you live.

The cost of insuring your dog walking business depends on the size of your operation. If you are working out of your own home, then you may only require liability insurance.

If you work out of a commercial building, you will likely need general liability insurance for bodily injury and property damage claims.

You will also need workers’ compensation coverage for injuries sustained while working and medical payments coverage for accidents at your job site.

Also Read: I accidentally hit my dog in the head What Should I do?

How To Grow Your Dog Walking Business?

There are several ways to grow your dog walking business. The most effective methods include advertising, networking, referrals, and word of mouth.

Advertising: How Do I Start My Own Dog Walking Business?

When starting your dog walking business, you must decide which marketing strategies are best suited for you. Advertising includes newspaper ads, flyers, radio advertisements, social media posts, and websites.

Doing research about your market is always helpful when deciding which strategy to use. For example, if you want to advertise in newspapers, you’ll need to know the circulation numbers for the papers in your area.

Networking: What Are Some Ways To Network As A Pet Sitting Or Dog Walking Business Owner?

Networking is another way to expand your customer base and increase sales. When you network with others in your community, you can learn about new services and products that might interest your customers.

Referral Marketing: Is There Any Way To Get Referrals From Friends And Family?

One of the easiest ways to grow your dog sitting or dog walking business is through referral marketing. People who already love animals are more likely to refer friends and family members to your service.

Word Of Mouth: How Can I Get Customers Through Word Of Mouth Marketing?

Word of mouth marketing is an excellent way to build up a loyal following. This method involves sharing information about your business with your family, friends, and neighbors.

For example, if someone asks you to watch their dog while they go away, you can share this information with other people in your neighborhood. It’s important to mention that you do not charge these clients anything extra for doing so.

Do I need a dog walking license UK?

No. In the United Kingdom, there is no legal requirement for dog owners to obtain a dog walking license.

However, it is recommended by the British Kennel Club (BKC) that all pet owners should get a dog walking license. While getting a dog walking license is optional, it is strongly encouraged for safety reasons.

What qualifications do you need to walk dogs?

To become a certified professional dog walker, you must first complete a course accredited by the American Veterinary Medical Association (AVMA). Once you have completed the training, you will receive certification from the AVMA.

The next step is to pass a written test administered by the AVMA. After passing the exam, you will be awarded a certificate of completion.

Liability insurance for businesses – what is it?

Your personal and business assets are protected by general liability business insurance. The policy pays for any legal representation, settlements, or awards resulting from an accident, negligence, or carelessness on your part or that of your dog walker.

False advertising, as well as copyright infringement, are also covered under general liability insurance.

What types of business liability insurance are there?

Business insurance is divided into two main categories. A dog walking insurance agent can assist you with choosing the right policy.

A policy for higher-risk businesses that provide general liability protection.

An Owner’s Policy for businesses with lower risks.

Insurance products are also available for the dog walking industry. 

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Dog walking insurance is required for independent contractors?

In short, yes. Regardless of whether or not your employer covers you, it is not a requirement. You are basically your own boss as an independent contractor. Ask your employer if you are covered and to see the policy if you work for a local company.

If I work for Wag and Rover, do I need my own dog walking insurance?

I don’t know, is the short answer. There is very little information available about the insurance that Wag and Rover offer. According to my research, their stance is that if there is an incident involving a dog, such as a dog bite, the pet owner is liable. 2

A dog bite plaintiff is likely to sue everyone, including the dog walker if they sue over the bite. It will be difficult to prove that it’s not your fault if it’s not your fault. For those of you working for Wag or Rover, I recommend you have your own liability insurance.

How often do dog walkers work?

This depends on where you live. If you live in a city, you might only have one opportunity per week. However, in rural areas, you may have multiple opportunities per day.

Some dog walkers work every single day of the year. Others work seasonally.

Some dog walkers choose to work part-time while others work full-time. Many dog walkers who work full time earn more than $50,000 per year.

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