Dog Walking Insurance: Why You Need It and How to Get It

As a dog walker, you have a big responsibility: not only are you entrusted with someone’s beloved pet, but you’re also responsible for their safety and well-being. Whether you’re an experienced dog walker or just starting out, one thing you should consider is dog walking insurance. This type of insurance can protect you from financial loss in case of accidents or other incidents that could occur while you’re walking dogs. In this article, we’ll explain why dog walking insurance is important, what it covers, and how to get it.

What is Dog Walking Insurance?

Dog walking insurance is a type of liability insurance that’s designed specifically for dog walkers. It can provide financial protection in case you’re found responsible for injuries or other damages that occur while you’re walking dogs. Dog walking insurance typically covers the following:

It’s important to note that dog walking insurance policies can vary, so it’s essential to read and understand your policy’s terms and conditions.

Why Do You Need Dog Walking Insurance?

If you’re a dog walker, you might think that accidents or incidents won’t happen to you. However, the reality is that dog walking can be unpredictable, and accidents can occur. You might be walking a dog that’s reactive to other dogs or people, and they might bite someone. Or, a dog might run away from you and cause an accident. Even if you’re careful and cautious, accidents can happen. If you don’t have insurance, you could be held personally liable for any damages or injuries that occur while you’re walking dogs.

Here are some reasons why dog walking insurance is essential:

Protect Yourself Financially

If you’re held liable for an accident or injury while walking dogs, you could be facing significant financial losses. Medical bills, legal fees, and damages could add up quickly, and without insurance, you’d be responsible for paying out of pocket. With insurance, you’ll have financial protection and peace of mind.

Gain More Clients

Many dog owners look for dog walkers who have insurance, as it shows that you’re responsible and professional. By having insurance, you’ll be able to market yourself as a safer and more secure option for dog owners.

Protect the Dogs You’re Walking

Dog walking insurance doesn’t just protect you – it also protects the dogs you’re walking. If a dog is injured while under your care, insurance can help cover the cost of veterinary care.

How to Get Dog Walking Insurance

Getting dog walking insurance is easy. There are many insurance providers that offer dog walking insurance policies, and you can usually get a quote online or by phone. Here are some steps to follow:

Research Insurance Providers

Search for insurance providers that offer dog walking insurance policies. Research their coverage options, prices, and customer service reviews to find the best one for your needs.

Get a Quote

Contact the insurance providers and request a quote. Be sure to provide accurate information about your business, such as how many dogs you walk, your experience level, and your location.

Compare Policies

Compare the policies you receive and see which one offers the best coverage for the price. Be sure to read the terms and conditions carefully and ask questions if you’re unsure about anything.

Purchase Your Policy

Once you’ve found the right policy, purchase it and make sure to keep all documentation in a safe place. If you have questions or need to file a claim, don’t hesitate to contact your provider.

FAQ

How much does dog walking insurance cost?

The cost of dog walking insurance depends on several factors, such as the type of coverage you need, the number of dogs you walk, and your location. However, most policies cost between $200-$600 per year.

Do I need dog walking insurance if I only walk dogs occasionally?

Yes, it’s still a good idea to have insurance if you’re walking dogs occasionally. Accidents can happen at any time, and insurance can protect you from financial losses.

What happens if I’m sued and I don’t have insurance?

If you’re sued and you don’t have insurance, you’ll be responsible for paying any damages or legal fees out of pocket. This could put you in a difficult financial situation.

Can I get insurance if I have a criminal record?

It depends on the insurance provider and the type of criminal record you have. Some providers might not offer coverage to individuals with certain types of criminal records, while others might offer coverage but with higher premiums. It’s essential to disclose any criminal history when applying for insurance.

What should I do if an accident or incident occurs while I’m walking dogs?

If an accident or incident occurs while you’re walking dogs, make sure to document everything that happened. Get the contact information of any witnesses, take photos of the scene and any injuries, and file a report with your insurance provider as soon as possible.

Dog walking insurance is an essential investment for any dog walker, no matter how experienced or cautious they might be. By protecting yourself, the dogs you’re walking, and your clients, you’ll be able to provide a safer and more professional service, and gain more clients in the process.