Pet Sitters & Dog Walkers: Why Liability Insurance Is a Must-Have

Being a pet sitter or dog walker is a dream job for animal lovers — you get to spend your days with pets while earning a living doing what you love. But with that responsibility comes risk. From a dog pulling loose from its leash to an accidental scratch on a client’s floor, one small mistake can lead to unexpected costs. That’s why pet sitter and dog walker insurance is essential.

Why You Need Liability Protection

When you care for someone’s pet or enter their home, you’re taking on potential liability. Even with the best intentions, accidents happen. A dog could knock over a vase, bite another pet, or run into traffic. Without insurance, you might be personally responsible for any damages or medical bills.

Liability insurance protects you from these kinds of claims — and shows clients that you’re a true professional. Many pet owners look for sitters and walkers who are fully insured because it gives them confidence their pets (and property) are in safe hands.

Key Coverages for Pet Sitters and Dog Walkers

• General Liability: Covers accidental injury or property damage while you’re on the job — such as a pet breaking something in a client’s home.
• Animal Bailee Coverage: Protects you if a pet is injured, lost, or becomes sick while under your care.
• Professional Liability: Helps with legal fees if a client accuses you of negligence or improper care.
• Commercial Auto Insurance: Covers accidents while driving to client homes if you use your vehicle for business.

The Benefits of Being Insured

Beyond protection, having insurance sets you apart from hobbyists or casual pet caregivers. It shows clients that you take your work seriously and have safeguards in place for their pets’ safety. It can also make you eligible for more partnerships or listings on pet care platforms that require proof of insurance.

Peace of Mind on Every Walk

You can’t predict every situation — but you can prepare for them. With the right insurance, you can focus on what you do best: keeping pets happy, healthy, and cared for. Liability coverage ensures that one accident doesn’t undo all your hard work or damage your reputation.