A Complete Guide To Dog Walking Insurance
Dog walking is one of the most rewarding jobs, exposing you to risks. People are not open to letting strangers in their homes and walking their pets, especially when they are not there. If you are a dog walker or running such a business, you must have dog walking insurance.
It will protect you and the person whose dog you are walking. It will help you build a positive relationship with your clients in the long run. Here is everything you must know about such insurance.
Dog Walking Insurance Explained
When you are walking the dog, you are responsible for its wellbeing and anything else during the walk. Of course, animals tend to be unpredictable, and anything can happen. That is why you must adequately protect yourself.
The dog walking insurance will cover many aspects out of your control. These include many things such as injury to a pedestrian from the dog and much more. You must understand these coverages before deciding to opt for a policy.
What Does Dog Walking Insurance Cover?
Here are some of the most important things that dog walking insurance will cover:
- Injury To The Dog While Walking
There is always a risk of unforeseen circumstances when you are walking a dog. The dog might get itself out of the leash and start running away, because of which it may sustain an injury. In such a case, the expenses and bills can be significant, and you might not have the money to pay for them.
That is where dog walking insurance comes in, as it will cover any expenses related to the dog’s injury under your care. It will save you money as you will not have to pay out of your pocket to cover hefty medical bills. So, it is essential coverage for all dog-walking individuals.
2. Injury To A Third-Party
While the dog can injure itself, there is also a high chance it may injure someone else during the walk. For example, the dog might run away from you and bite a third party. When that happens, you will be responsible for paying for the medical treatment of the third party.
All of us know how expensive medical bills are. So, you will need such policy coverage to ensure that a third party can quickly get better if something happens to them because of the dog. It would help if you found a policy covering such expenses and injuries.
3. Property Damage
The dog walking business is highly dependent on trust. Somebody else is letting you into their home so you can take care of one of the most important beings in their life. That is why any damage occurring under your care will be your responsibility and no one else.
Many dog walking insurance policies will cover property damage. For example, if you arrive at the client’s property to take their dog and while you are getting his leash, he starts defecating on an expensive carpet. In such a case, the insurance will protect you and cover the expenses.
4. Locksmith Service
You might be thinking about what a locksmith service is doing in a dog walking insurance plan. Well, this is something many people overlook because they think something like this will never happen, but you must prepare yourself for any unforeseen circumstances. For example, a client might give you their keys if they are not home, and you have to return the dog after the walk.
However, you end up losing the keys in the park and can’t find them again. In such a case, you will have to pay for the key and lock replacement of the client’s home. Such coverage in the policy is necessary if you are forgetful and tend to lose certain minor things, such as your keys.
How Much Does Dog Walking Insurance Cost?
The cost of the insurance policy can be a make or break factor when deciding to opt for the policy. Typically, a dog walking insurance policy can range anywhere between $300 and $600. The more coverages there are, the more expensive your policy will be.
That is why you can only choose the terms you think you will need coverage for. It will help you protect yourself in the best way possible to get the most out of your job. On the other hand, if you are a dog walker for a dog walking company, the business will have insurance, and you will be covered under it.
That was your complete guide to dog walking insurance and understanding how it works. Whether you are an individual dog walker or running a business, you must opt for the right insurance policies to offer you appropriate coverage. Once you start looking for such policies, you will find the right one for your dog walking needs.
It will help you save costs in the long run. So, start shopping for the best dog walking policies today.
Find out more about the importance of insurance here.
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Community Group Insurance
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