General Liability protects your business and clients from things like bodily injury, personal injury or property damage caused by your business’ operations. While General Liability can be comprehensive — it does not protect your business from all liability. However, General Liability is the core of Pet Sitting Insurance. Some example of what General Liability may cover you from could be if you were walking a dog and the dog in your care bit someone who happened to be walking past you. Another example could be if you forgot to put the dog in your care in the spare bedroom and the dog ate the new leather couch in the living room after you had left. General Liability protects pet sitters and dog walkers against third party claims (the key is third party — someone besides you) caused by you or your staff member’s negligence.
You may have heard professionals mention that they are “Insured and Bonded”. The Insured part represents being covered by an Insurance Policy. The bonding part is quite different. While technically not insurance, being “Bonded” protects your business from theft or mysterious disappearance of your client’s personal property. While a client’s watch going missing while their pets were under your care is a nightmare scenario — Bonding can help protect your business from that situation.