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Liability Protection Coverage

To Apply for or Renew Liability Coverage for your business, please click on the link that best describes your primary business:

Therapy Animal Handler

Pet Food/Treat Manufacturers & Distributors

In Your Home Boarding / Dog or Cat Daycare / Pet Boarding*

Pet Groomer*

Dog or Cat Trainer / Pet Behaviorist / Pet Consultant / Pet First Aid Instructor*

*If you are a member or affiliated with any of the following organizations: APDT, IACP, ABC Alumni, KPA Alumni, PPG, Bark Busters, or CCPDT, please apply under their organization's insurance plan, as you are entitled to additional discounts.

*The following types of training are excluded under this policy: protection, attack or fighting, and police work. 

Pet Sitter / Dog Walker / Pooper Scooper Standard Liability Policy**

The Standard Liability policy covers you/your business including all employees, independent contractors and volunteers that work in your business. Please note it does not cover on the job injuries to you, your employees, independent contractors and/or volunteers. You will need workers compensation insurance to adequately cover injuries to your employees and/or independent contractors.

Pet Sitter / Dog Walker / Pooper Scooper Individual Liability Policy** (please read below to see if you qualify. If you do not, apply for the Standard policy above.)

Definition of Individual Policy: This policy is designed to insure an individual with no one working in the business but the individual owner and spouse, if applicable. You do not qualify for the Individual policy if your business is classified as a partnership, LLC, Inc., or type S corporation.

**If you are a member of PSI or NAPPS, please apply under their organization's insurance plan as you are entitled to additional discounts.

In today's litigious society, all of us are concerned about liability claims for bodily injury, personal injury or property damage to others, which may be brought against us for negligence. Many times these claims have no merit, but the defense costs alone can be substantial. If they are determined to have merit, judgments today can be devastating and your personal as well as your business assets can be seized. To help you get the protection you need, Pet Care Affiliates offers various LIABILITY PROTECTION POLICIES to cover your business. PCA policy was designed to take the worry and the hassle out of finding reliable coverage.

If accepted, coverage will be effective on the first day of the month following receipt of this application and your payment.

A minimum earned policy premium of 25% applies to this policy.

BASIC LIABILITY LIMITS:

$2,000,000   General Aggregate
$2,000,000   Products/Completed Operations
$1,000,000   Personal & Advertising Injury
$1,000,000   Each Occurrence
$300,000   Fire Legal Liability
$10,000   Medical payments
$100   Deductible Per Claim

SPECIAL POLICY FEATURES:

  • Coverage for damage to property in your care, custody or control, including the pet.
  • Coverage for lost keys: Pays up to $2500 to re-key customer's locks.

 














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