Fur Babies Pet Sitting is synonymous with the Owner, Mikayla.
Fur Babies Pet Sitting by Mikayla & Associates offers tailored pet services to fit you and your pet's needs. We offer in-home services.
Fur Babies Pet Sitting understands the importance of accountability and coverage.
We have insurance through Pet Care Insurance. This includes many benefits for the Client, Pet(s), and the Pet Care Provider. In order to better explain what Fur Babies Pet Sitting Insurance means, the information is listed below.
Pet sitters enjoy spending time and having fun with their furry friends, but also want them to be safe. Whether you’re at the dog park with your pet or just at home, there’s always potential risk. Like any other business owner, pet sitters should make sure that they have an insurance policy to make sure they’re taken care of when those accidents happen.
If things were to go wrong, clients can rest easy knowing they work with an insured professional and incidents could be covered with insurance.
Potential Costs of Common Accidents
What types of coverage?
Types of Coverage | Coverage - Exclusions Apply *Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. |
General Liability Coverage | Limit per Incident: $1,000,000 Limit per Year: $2,000,000 |
Personal and Advertising Injury Limit | $1,000,000 |
Each Occurrence Limit | $1,000,000 |
Medical Expense Limit | Any One Person: $5,000 |
Pet Protection (Animal Bailee) – Animals in Your Care, Custody, or Control | Limit per Incident: $2,500 Limit per Year: $5,000 |
Veterinarian Expense Reimbursement (Regardless of Fault) | Limit per Incident: $1,000 Limit per Year: $2,500 Deductible: $250 |
Lost Key Liability Coverage | Limit per Incident: $2,000 Limit per Year: $2,000 |
Bond Program (Add-on) | Bond-Like Coverage WITHOUT the hassle, for the Owner and Pet Care Providers. |
Surety Bonded | Owner Only Surety Bond in NC |
ALL of our specified services are COVERED | Coverage Applied |
Pet Taxi (Add-on) | Coverage Applied |
Cyber Liability Coverage (Data Breach/Privacy Insurance) (Add-on) | Coverage Applied |
Broadened Property Damage Coverage (Add-on) | Coverage Applied |
Independent Contractor Coverage (Add-on) | Coverage Applied to each contractor and owner. |
Bonding Comparison Chart
Type of Coverage Comparison for BONDING | Pet Care Insurance Employee Dishonesty Coverage- AKA Bond-Like Coverage for the Owner and the Pet Care Providers vs. |
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Products-Completed Operations Aggregate Limit | Provides $10,000 per occurrence and $25,000 aggregate coverage. | Coverage may vary in details. | ||
No Credit Check Requirement | PCI never checks your credit. | Some bond companies will check your credit prior to approval. | ||
Purchased with Insurance | Easily purchase your dishonesty coverage at the same time as insurance. | Many times you will have to use a separate bonding company from your insurance provider. | ||
No Reimbursement Required | PCI doesn't require reimbursement for a paid claim. | Some bonding companies may require you to reimburse them for payment of the claim. | ||
No Conviction Clause Requirement | PCI doesn't require that a dishonest employee be convicted of the crime. | Many bond companies will not pay claims unless the dishonest employee is convicted. |
Think of General Liability Insurance as a safety net for the pet care business. Say a customer gets hurt, the insurance covers their medical bills and legal fees. We’ve seen pet care professionals face lawsuits from customers. It also pays for any damage the pet sitter causes to your client's property. For instance, while cat sitting, the cat may pee on the owner’s bed and ruin it. With general liability insurance, you’d be covered.
Medical Expense Limit helps if someone gets hurt on your property or due to your business operations. This coverage only pays for medical expenses, not other costs like lost wages or pain. It's important to have because it can help you avoid paying medical bills from your own pocket. This applies even if the pet sitter is not legally responsible for the injury.
Animal Bailee, Pet Protection Coverage is essential for all pet professionals. It covers the business if the pet sitter is legally liable for injuries pets sustain while in their care, custody, or control. For instance, if a client notices their dog is limping after your services, the pet sitter could be liable for the bill.
Veterinary Reimbursement- Trips to the vet aren’t cheap. If an emergency happens that requires an unplanned visit, Sometimes an emergency happens, Veterinarian Reimbursement helps with those out-of-pocket, unexpected expenses.
Broadened Property Damage Coverage provides protection for property damage of a client’s property that is in your care, custody, or control while performing your work and business operations. For instance, a pet sitter went in and used the bathroom at a client’s house while they were out of town. They did not realize the toilet overflowed and ruined the bathroom. If they didn’t have this coverage, they would have had to pay for the damages.
Our Policy Covers:
Independent Contractors
Pet Waste Removal
Pet Taxi services
Basic care of a client’s pets
Bathing and brushing not tied to grooming services
Teaching basic sit and stay commands
Pet Sitters
Doggy Daycare
Cyber Liability Coverage provides coverage for files, data, and documents.
If the company is responsible for transporting pets from one location to another, this insurance provides essential protection against potential risks and liabilities that may arise during the transportation process. Not only will it give the pet sitter and your clients peace of mind, it can also help keep the pets that are transported protected. With Pet Protection (Animal Bailee) and Veterinarian Expense Reimbursement included in PCI’s pet taxi policy, it adds an extra layer of protection if an accident happens during the transport. NO MORE THAN 5 PETS IN THE CAR AT A TIME. Pet Taxi Insurance is distinct from standard auto insurance. While auto insurance primarily covers the vehicle and its passengers, Pet Taxi Insurance is specifically designed to address the unique risks associated with transporting pets. It offers protection against pet injuries during transit, accidents that may occur during loading or unloading, and other incidents related to pet transportation.
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