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As most of you know, we are required by our insurance company to submit renewal applications every year. Often we receive questions regarding the various coverage options/endorsements on the application.We have had many a sitter contact our office after a claim and state they were confused as to whether or not they needed a particular coverage, and can't understand why their claim is being denied. Therefore, to give all members a better understanding of the coverage options now offered under the PCA Liability policy, I would like to take this opportunity to go through each coverage option in detail, and discuss whether you need it for your individual business.

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Most trainers will agree that having insurance is a good idea. Although most of us hope we never have to deal with a claim, it is better to err on the side of caution than to go without. Unfortunately, accidents can and do occur, and usually when least expected. Therefore it is typically a good idea to make sure you cover yourself for the exposures unique to your individual business. As each trainer may be a little different from the next, it is important to learn your individual exposures to risk and to close the gaps to your comfort level.

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As a professional dog trainer, you are aware of the need to carry liability insurance to protect yourself against lawsuits alleging bodily injury or property damage to others, including your clients and the dogs in your care/classes. But what about those injuries that you, your employees, or your subcontractors incur while on the job? Our agency has received a number of calls over the years from trainers that thought their training-related medical injuries were covered by their liability insurance, only to learn at the time of the claim that there was no coverage for injuries to themselves or anyone in their employ.

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Most professional dog trainers today understand the need for liability insurance to protect them against injuries to clients and others that occur in their classes and/or where they are training. We've all heard about the horror stories when a person is bitten in a class or someone gets knocked down and suffers an injury. General liability insurance is designed to specifically cover these types of bodily injury claims. But what about coverage for the client's dogs in your care?

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In 1992, Business Insurers of the Carolinas was approached by a leading pet sitter association to create insurance policies that would thoroughly cover pet sitters. Many of the insurance needs pet sitters require are unique to their profession and so we worked to create policies that would best fit their needs. Since then, we have continued to add and adjust as the industry has expanded and new insurance needs have come to light. Every pet sitter should do their research and search out the right insurance to fit their needs regardless of the company they choose for their coverage. A great place to start is with a primer on the most common coverage and policies.

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