Pet sitting is a great way to spend time with animals and earn money, whether you do it full-time or just occasionally. But even with the best care, things don’t always go to plan. That’s where pet sitting insurance comes in. If you’ve ever wondered whether you really need it, what it should cover, or what happens if something goes wrong, you’re not alone.
This guide answers the most common questions pet sitters ask us about business insurance so you can feel confident and prepared for each pet sitting job you take on.
Do I need insurance to be a pet sitter?
You don’t legally need business insurance to be a pet sitter in the UK, but it’s highly recommended as it protects you and the pets in your care. Many clients, and sites like Rover, Pawshake, and Tailster, expect it. You can pet sit without insurance, but it’s risky. If a pet gets hurt or you lose a client’s keys, you could face costly bills. Insurance helps protect your finances, reputation, and pets in your care.
Do I need insurance if I only pet sit part-time?
Yes, even if you only pet sit now and then, insurance is still a good idea. Accidents can happen anytime, and without cover, you could end up paying out of pocket. Think about it – what if a dog you’re watching ran into traffic and caused an accident, or needed emergency vet care after getting hurt? A claim like that could get really expensive.
What type of insurance do I need for pet sitting?
Pet sitting comes with unique responsibilities, and the right insurance policy should reflect that. Here are the key types of cover typically recommended for sitters:
- Public liability insurance
Protects you if someone makes a claim for injury or property damage caused by your work. For example, if a dog you’re walking knocks over a cyclist, it helps cover costs. - Care, custody and control of animals
Covers vet bills if a pet in your care gets injured or sick. - Lost key cover
Pays for replacement locks or locksmith services if you lose a client’s keys. - Personal accident cover
Provides financial help if you get injured while working. - Employer’s liability insurance
Helps cover medical bills and compensation if an employee gets injured or sick on the job.
What if something happens to the pet while the owner is away?
If a pet is injured, becomes unwell, or goes missing under your care, Care, Custody and Control of Animals insurance can help cover vet bills or compensation claims. It means the pet can get treated quickly without confusion over who pays.
Will insurance cover damage to the client’s property?
Yes, most pet sitting insurance policies include public liability, which could help if you accidentally damage a client’s property. For example, if a dog chews up a sofa or breaks something valuable, you may be protected from having to pay out of pocket.
What about administering medication or special care instructions?
Policies vary, but many insurers cover administering medication or following specific care instructions. Always check your policy and be clear about the services you offer.
Tailored policies for pet sitters
We’re here to help you create a policy that fits your services. You can adjust your cover to match your business needs and only pay for what’s essential. Pricing depends on the cover you choose, but our flexible options mean you won’t pay for what you don’t need.
For more details on what’s covered, take a look at our policy wording.
Get your pet sitting insurance quote today
To find out more about our range of pet business policies we offer, head over to our Pet Sitting Insurance page.
If you have any questions, our friendly team is happy to help on 0345 982 5499