Dog Walker Insurance

Your policy will typically cover the general and specific risks you could face as a dog walker. The risks vary based on the services offered, however, the following coverages are most commonly used when building a dog walking insurance policy:

• Commercial General Liability (CGL) Insurance: This coverage protects dog walkers against common claims that result in third-party bodily injury (e.g., slip-and-fall) and property damage. For example, say you’re walking a client’s dog, and an elderly pedestrian trips over the dog leash and sprains their wrist. Should you be sued, CGL may cover legal defence costs and third-party medical costs regardless of the legal outcome.

Optional coverages:

• • Loss of Keys Cover – Included; $5K limit (higher limits available)
  • Care, Custody and Control (Animal Liability) – Included; $5K limit (higher limits available)
  • Veterinary Fees Extension – $1,000 limit per animal / $5,000 aggregate

• Professional Liability Insurance: Also known as errors and omissions insurance, professional liability protects dog walkers against claims from clients alleging you were professionally negligent or they accuse you of misconduct, or you failed to deliver a service as promised.  For example, suppose you offer puppy training and dog walking services. A client accuses you of providing only dog walking services since their dog is still highly disobedient after months of supposed training. Should they sue, professional liability can cover the cost of your legal defence fees and any related costs to the claim.

• Cyber Liability Insurance: Cyber liability covers the costs associated with cyber-attacks, such as loss of income, notification costs, and data infrastructure repair. For example, you fall victim to a cyber-attack – all of your client’s personal and financial data is wiped from your booking and payment systems. Cyber liability insurance may cover the cost to recover the files and notify your clients.