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What is dog walker insurance?

Being a dog-walker can be a joyful occupation. Getting to spend time with a variety of dogs, learning their personalities and traits, and seeing them get all excited when you're out and about is a lot of fun. But even enjoyable occupations can pose risks, and your canine clients do not make for an exception.

In fact, working with animals lends an element of unpredictability to your occupation. Some may be prone to testing the tactile integrity of your leash, bolting at everything that moves. Others may not be so good around strangers or other dogs and be a threat to bite.

For these and all other potential perils a dog-walker faces, there's dog walker insurance. Dog walker insurance is a policy designed to protect you, your clients and your business from financial perils caused by injury or property damage.

This customizable product can be amended to provide the protection you and your business need most, without forcing you to get coverage types that aren't relevant. Read on to learn more about how dog walker insurance works.

What dog walker insurance includes

Though a dog walker insurance policy can be personalized to meet the specific perils relevant to your specific business, a standard policy is made up from the following coverages.

Recommended add-ons for dog walker insurance coverage

A standard dog walker insurance policy will include general and professional liability, as well as animal bailee coverage. But, add-ons are available for those who desire a more comprehensive form of protection.

Other add-ons are available, based on the needs of your business. If you have concerns about the extent of your coverage, speak with your insurance provider to see what can be tacked on to your existing policy.

Common types of dog walker insurance claims

Dog walker insurance packages are designed to address the most common types of claims made by the industry's professionals. These claims include:

There are, of course, numerous other outcomes that may result in an insurance claim. This is just a non-exhaustive list demonstrating how an insurance policy can be beneficial.

How much does dog walker insurance cost?

Most dog-walkers in Canada will pay about $250 to $600 per year for insurance coverage (more if commercial auto insurance is required). However, this range will not be applicable to all dog-walkers.

There are numerous factors that influence how much insurance costs for a given business. Things like the number of clients you have, the location you operate in, the revenue you generate and the coverage limits you want, will all have an impact.

Another major factor is how many employees you have, if any besides yourself. Businesses with multiple employees tend to pay more for insurance than sole proprietors.

To see how much dog walker insurance will cost you, get an online quote.

Dog walker insurance in Canada: what you need to know

Insurance is not mandatory for Canadian dog-walkers, but getting coverage is advisable. Compared to other industries, insurance protection is inexpensive, and having a safety net while working with animals is highly advisable.

Insurance can also be an asset when adding a prospective client, since some people will want proof of insurance before leaving their dog in your care.

Also, keep in mind that insurance packages are customizable. If you provide services beyond just walking dogs - e.g. you provide grooming or pet-sitting services - then you may require additional types of coverage to safely operate.

The best way to understand the right coverages for your business is to speak with an insurance provider upon getting a quote.