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Your dog walking business is your passion. That’s why you should consider protecting it with dog walker insurance from Simply Business.
We’re an online insurance platform that makes it incredibly easy to compare affordable policy options from the nation’s top insurers. Just answer a few questions about your business, click on a policy coverage option you like, and boom — you’re insured.
And you can likely do it all in less than 10 minutes.
Protect your business today with dog walker insurance options for as low as $22.50/month.*
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While every dog walking business is different, there are some risks that are unique (and, unfortunately, common) to the dog walking industry. From property damage to dog bites, it’s important for a professional dog walker to protect themselves with comprehensive insurance coverage.
That’s why you may want to consider these two dog walking business insurance policies:
General liability insurance — also known as GL insurance, or commercial general liability insurance — can be essential coverage for dog walkers who want to protect their business finances from claims involving:
Third-party accidents: If one of your client’s dogs gets loose from its leash and causes someone walking by to trip, fall, and break their ankle, your business could be liable for the medical bills associated with their injuries.
Property damage: If a dog you’re walking relieves itself on a neighbor’s prized shrub — thereby killing it — your business could be liable for the costs of replacing that shrub.
Medical expenses: If one of your client’s dogs bites someone while you’re taking it for a walk, your business would likely be responsible for paying that person’s medical bills, plus missed work, and any other related expenses.
And more (we’ll talk about this in a bit)
Dog walking can definitely be risky, especially if one of the dogs gets out of your control and gets away from you. General liability insurance gives you back a little of that control by ensuring you don’t have to personally pay for the full amount of covered claims.
And that’s a good thing. With the average customer injury claim coming in at a whopping $30,000, dog walking liability insurance can help ensure that your business doesn’t lose money resulting from an unfortunate accident.
It’s not just your business that’s protected, either. Having dog walking liability insurance means you may not have to dip into your personal finances — or your family’s — if a claim comes up.
Let’s face it: We love our canine companions. But they’re still animals, which means you can’t always control what they’ll do 100% of the time or how they’ll react when you’re walking them.
That’s why it’s a good idea for your business to carry general liability insurance.
Here’s a quick overview of what your GL insurance may cover:
Here’s what GL insurance typically doesn’t cover:
Don’t forget: You can combine your general liability insurance with tools and equipment coverage (also known as inland marine insurance). This policy option covers the costs to replace any equipment that may have been lost, damaged, or stolen while performing your work.
So if someone snatched your dog leashes, your policy would have you covered!
If your dog walking business has grown to include one or two employees — even if they’re just part-time — you may need to get workers compensation insurance, depending on your location.
Workers compensation is a type of insurance coverage that can cover an employee’s medical bills — including lost wages and rehabilitation costs — if they get sick or injured on the job.
For example, if one of your part-time walkers gets bitten by one of your client’s dogs, your workers compensation policy may cover the cost of the medical bills (up to your policy’s limits).
In most states, employers are required to carry workers compensation insurance, so it’s a good idea to have it.
Plus, when it comes to dogs, accidents can happen. For example, what if one of your client’s dogs gets too excited and snaps at your employee’s hand, or the dogs get their leashes twisted up and your employee trips and falls?
Either way, your workers compensation policy may have you covered.
To recap, workers compensation insurance for dog walkers can cover:
Whether you’re just starting out with your dog walking business or you’ve been at it for a while, you may not be 100% convinced that you need dog walking business insurance.
After all, you’ve been careful so far. Why pay for something you’re not even sure you need?
The thing is, though, you probably do need it. Business insurance is a lot like having auto insurance — it’s not something you think about all the time, but you’ll be glad to have coverage if a pricey accident does happen.
Think that a claim won’t happen? Think again: A study found that there’s a 40% likelihood that your business will experience a property or liability loss within the next ten years.
And unless you have dog walker insurance, the cost of those losses may come directly out of your bank account.
Plus, you never know when one of your clients might decide to sue your business. Even if you did nothing wrong, you’d still have to pay for a lawyer to defend you, and that could cost a large chunk of money.
Fortunately, business insurance covers many of the above costs (including attorney’s fees). And with several policies carrying a $0 deductible, you may not have to pay a single penny to deal with a claim or lawsuit that’s within your policy limits.
If you need a little more convincing, dog walker insurance also can:
Meet any legal requirements in your city, county, or state Help clients feel confident that their dog is in good hands Help you rent a workspace, if you decide you need an office Help you get a small business loan, if proof of insurance is required
There are so many advantages to having business insurance. And with dog walker insurance coverage starting at just $22.50/month*, it doesn’t cost much to protect your business.
Finding the right policy can be tough, especially if it’s your first time shopping for business insurance. So we’re here to help with answers to the most common dog walker insurance FAQs.
The state or city (or both!) where you operate your dog walking business may require you to have proof of insurance, especially if you have employees.
However, even if you’re not required to have any type of business insurance policy, it’s still a good idea to get coverage. Here’s why:
In general, you can deduct your insurance premiums when filing your business’s taxes. But we’re not tax experts, so it’s a good idea to talk to a tax professional or an accountant if you have additional questions.
The amount of insurance coverage you may need will depend on a number of factors, including:
Those bits of information are helpful for creating a customized insurance package that helps cover all of your needs!
If you’re thinking of buying business insurance, it’s helpful to have the following information on hand when requesting a quote:
Having this information at hand can make it easier to get a quote from one of our insurers in under 10 minutes.
Your business insurance coverage can be customized to cover you against the most common risks you face as a dog walker.
For example, a bundled plan that includes general liability insurance and workers compensation (if you have employees) can cover:
So whether you need a bundled plan or you just want general liability coverage, Simply Business can help you find the coverage you need, at the price you can afford.
There’s no one set insurance cost for dog walkers, as policies are customized to your specific risks and needs. Your insurance premium is usually determined by:
Want to see how much your business insurance coverage may cost? Answer a few questions about your business, and in just a few minutes, you could see policy options from the nation’s top insurers!
Simply Business is an online business insurance platform that makes it easy to compare and buy policies from top insurers. We have over a decade of experience in making business insurance clear and simple for our customers.
We pride ourselves on making business insurance:
Fast and Affordable: You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.
Tailored to You: Forget one-size-fits-all insurance. Get the protection your business needs, when you need it most.
Flexible with Coverage: Whether you need increased coverage for the busy season or a policy for a large project, Simply Business can help.
After all, you’ve worked hard to grow your dog walking business, and we offer the best coverage to protect it.
* Monthly payment calculations (i) do not include the initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on January-December 2020 data of 10% of our total policies sold.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.