Dog walking is one of the most satisfying ways to make money. Not only do you get to spend the day with some fluffy and adorable pets, but it also gives a chance to stay active and keep fit. For some dog walkers, this is the perfect way to make money on the side. However, most do it as their main source of income. With so many pet owners today, dog walking makes for a pretty lucrative business. Whichever category you fall under, there are many risks and hazards that the dog walking business can expose you to. That is why getting and keeping up with your dog walker insurance is important.
It might sound like a simple job, but dog walking requires very good planning. There are a lot of rules and guidelines to adhere to as well. Getting the right insurance is the best way to keep yourself covered against the many things that could go awry when you are looking after someone’s pet. Don’t leave your livelihood up to chance! Here are 8 reasons why you should get your dog walking insurance now:
- It is a Risky Business
There are a lot of unpredictable variables that come with the dog walking business. The pets under your care could run into the road, bite someone, or cause property destruction. Getting a general liability insurance will provide you with a solid safety net against such eventualities. If a third-party sues you for any claim related to your dog-walking activities, your insurance will take care of the damages and legal fees in case you are found liable.
- Job Duties are Unpredictable
While the general liability cover is a great choice, it does not protect you from lawsuits to do with professional negligence. For instance, a pup could sustain unpredictable injuries while in your care. Or, Fido could run rampant and wreck your client’s favorite sofa. Whatever the case, having the right insurance cover will protect your finances in case a client claims that your advice or services resulted in some sort of losses for them.
- Protect Yourself in Case of Injury
If you sustain an injury at any time, it could keep you from doing your dog walking job for weeks or even months. Not to mention, you are likely to rack up some hefty medical bills too. Furthermore, the very nature of this job exposes you to many unforeseen risks. That’s because you are not sure what kind of animals or conditions you will face from day to day. So, it is incredibly important to cover yourself with an adequate policy.
- Ensure your Property is Protected
If you are renting or leasing a space for your dog-walking business, you simply can’t assume that the property owners’ insurance covers your specific needs. You must be proactive about protecting any specialist equipment you may have related to your dog walking business. To this end, it might be a good idea to choose an insurance policy which combines property protection with commercial general liability.
- Protect Others’ Property
We all know that dogs can be quite unpredictable at the best of times. It seems like they are always running around or chewing on something. While it’s great hanging out with a spirited pup, it might lead to some damage for other people’s property. Damaged carpets from nails, torn up lawns, or broken vases are just some of the hazards of the job. That’s why you should consider getting a policy that includes some cover against property liability. This will protect your business in case of any property damage claims.
- Safety against Employee Claims
If you run a dog walking business with multiple employees, there is always a risk of them lodging claims against you for job-related injuries. Consider getting an Employers Liability cover to protect yourself in case of such an eventuality. It is also important to keep in mind that this is a legal requirement in most jurisdictions.
- Look Out for the Dogs in your Care
While it is vital to protect yourself and your business, it is even more important to protect the dogs that you deal with every day. Look for a policy that includes care, custody, and control cover. However, take note that this types of policies do not apply to dogs that have any previous medical conditions. It may be a good idea to ensure that you have a non-negligent cover too. This will protect you in case a dog in your care suffers an injury that is not your fault. In this case, the vet bills and pet-owner compensation will be covered by your insurance.
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- Cover against Lost Keys
As a trusted dog walker, you might have clients that give you keys to their personal space to ensure maximum convenience. Needless to say, that’s a lot of responsibility. Losing keys could affect how well you do your job, especially if you need to get in. Replacing locks and getting new keys is an expensive process. Ensure that your policy covers these costs to keep your bank account safe.