Starting a pet walking business can be an exciting and profitable way to earn income doing what you love—but it also comes with risks. Many aspiring pet care professionals ask: Do you need insurance to start a pet walking business? The answer is yes.
While not always legally required in every state or city, pet business insurance is highly recommended to protect yourself, your clients, and their pets from financial loss or liability.
This article explores why insurance is vital for pet walkers, the different types of coverage available, regional legal differences, seasonal risk factors, and where to buy coverage tailored for pet care professionals.
Why Pet Walking Insurance Is Essential
Although walking dogs and caring for pets seems relatively low-risk, the reality is that accidents, misunderstandings, and unexpected events can happen quickly—and often result in costly consequences. Without insurance, even a single incident could devastate your business financially.
Common Risks for Pet Walkers
- Injury to third parties: If a dog you’re walking bites a passerby or knocks someone over, you could be held legally and financially liable.
- Loss or injury of the pet: If a pet escapes due to a faulty leash or is injured under your care, you’re responsible.
- Property damage: Accidents like tracking mud onto expensive rugs or knocking over household items are more common than you’d think.
- Lost keys or theft allegations: If you’re entering homes for pickup or drop-off and misplace a key, or a client alleges theft, the fallout can be serious.
Financial and Legal Consequences
Even minor claims can cost thousands in legal defense, medical bills, or restitution. Liability coverage acts as a financial safety net. Professional insurance also builds trust with clients, showing you’re a responsible, established business rather than a casual side-hustler.
Pro Tip: Many pet parents now expect professional walkers to carry insurance—and may ask for a Certificate of Insurance (COI) before booking.
Types of Insurance for Pet Walking Businesses
Different types of insurance protect against different risks. Here’s a detailed breakdown of essential policies for pet walkers:
| Insurance Type | Purpose | Typical Cost (U.S.) |
|---|---|---|
| General Liability | Covers bodily injury or third-party property damage | $200–$500/year |
| Care, Custody & Control | Protects against incidents involving animals in your care | Bundled, adds $50–$150 |
| Bonding (Fidelity Bond) | Covers claims of theft or dishonesty (e.g., missing valuables) | $100–$300/year |
| Professional Liability | Covers service errors or negligence (e.g., forgetting a visit) | $100–$250/year |
| Commercial Auto Insurance | Required if using your vehicle for pet transport | $500–$1,500+/year |
| Workers’ Compensation | Covers employees if injured on the job; state regulated | Varies by state |
Choosing the Right Mix
A solo pet walker may only need General Liability and Care, Custody & Control, while businesses offering in-home sitting, boarding, or transportation should consider Professional Liability and Commercial Auto. If you handle keys or enter clients’ homes, bonding can be a client trust builder.
Watch for Exclusions
Many standard general liability policies exclude animal-related incidents unless explicitly covered. Always confirm that “care, custody, or control” of pets is included in your policy.
Is Pet Walking Insurance Required by Law?
There is no federal law mandating pet walking insurance. However, many state and city regulations, especially for businesses entering homes or employing staff, may require coverage or bonding. Failing to comply could lead to fines or denial of permits.
| Region | Insurance Requirement | Notes |
|---|---|---|
| California | Not statewide, but recommended for any service provider | SF, LA require business licenses and bonding |
| New York City | No mandate, but lawsuits are common; insurance is standard | Adds professionalism in a competitive market |
| Texas | Varies by city; no state mandate | Highly litigious state, so insurance advised |
| Florida | Not required; weather risk increases liability | Coverage essential during hurricane season |
| Colorado | Often required if entering homes or handling client keys | Bundled packages available via local brokers |
Practical Step: Contact your local Small Business Administration (SBA) or Chamber of Commerce to confirm the legal insurance and licensing requirements in your area.
How Much Does Pet Walking Insurance Cost?
Compared to other small businesses, pet walking insurance is relatively affordable. Rates depend on:
- Your state and local laws
- The services you offer (walking only vs. sitting, grooming, etc.)
- Whether you operate solo or hire subcontractors/employees
| Service Scope | Solo Walker | Multi-Service Business |
|---|---|---|
| Liability + Care Coverage | $200–$350/year | $300–$600/year |
| Add Bonding + Commercial Auto | $400–$700/year | $600–$1,200+/year |
| With Employees (incl. Workers’ Comp) | State dependent | $1,000+/year |
Ways to Reduce Premiums
- Bundle policies (some providers offer package deals for pet businesses)
- Maintain a clean claims history
- Complete pet first aid or professional training programs
- Limit your service area or client volume to lower exposure
Seasonal Risks That Impact Insurance Needs
Pet walking happens year-round, but seasonal changes bring unique risks. Your insurance should reflect those risks, especially if you operate in regions with weather extremes.
| Season | Key Risks | Insurance Implications |
|---|---|---|
| Winter | Slippery sidewalks, icy roads, salt damage to paws | General Liability, Auto, Pet Injury Coverage |
| Summer | Overheating, dehydration, hot pavement burns | Care, Custody & Control, Auto |
| Spring | Mud, allergies, increased outdoor activity | Cleaning supplies, increased traffic risk |
| Fall | Early sunsets, falling debris, unpredictable weather | Pet visibility gear, Auto Liability |
Regional Considerations
- Northeast & Midwest: Icy winters make slip-and-fall lawsuits more common
- Southwest: Summer heatwaves require enhanced pet safety and transport protocols
- Pacific Northwest: Wet seasons can create mold/mildew risks when entering homes
Insurance tailored to your geographic and seasonal exposure provides peace of mind and reduces the likelihood of policy gaps.
Where to Get Pet Walking Insurance
Reputable insurers that specialize in pet care businesses include:
- Pet Care Insurance (PCI)
- Pet Sitters Associates
- Business Insurers of the Carolinas
- Kennel Pro
- Verifly (on-demand liability insurance)
What to Look for in a Provider
- Coverage for all pet services you offer (walking, sitting, transport)
- High liability limits (ideally $1M per incident)
- No breed or size restrictions
- Add-on options: bonding, auto, property damage
- Ability to produce a Certificate of Insurance (COI)
SEO Tip: Include internal links on your website to related topics like “how to register a pet care business” and “pet sitter insurance” to improve your site’s authority in pet care business startup tips.
Steps to Get Insured as a Pet Walker
1. Formally Register Your Business
Some insurers will only write policies for officially registered businesses. Consider forming an LLC to limit personal liability.
2. Gather Key Details
Have information ready on your:
- Zip codes or areas served
- Type of services (walks, sitting, transport)
- Projected number of clients
- Business structure and employees
3. Compare Insurance Quotes
Use pet-care-specific providers. Compare not just prices, but:
- What’s included vs. excluded
- Deductibles
- Add-ons and flexibility
4. Review Exclusions Carefully
Look out for exclusions like:
- Aggressive dog breeds
- Exotic animals
- Pet transport restrictions
5. Store and Share Your Certificate of Insurance (COI)
Once insured, always carry a COI to show current and prospective clients.
Benefits of Being Insured
Still wondering if it’s worth the investment? Here are some real-world advantages of pet walking business insurance:
- Professionalism: Sets you apart from hobby walkers; shows you’re running a real business
- Client Confidence: Helps secure more bookings, especially with higher-end clients
- Legal Coverage: If something goes wrong, insurance covers defense and settlements
- Risk Management: Makes you think proactively about safety, contracts, and protocols
- Scalability: Easier to hire team members or expand services with proper insurance in place
Final Thoughts
While starting a pet walking business is one of the more affordable and flexible small business options, operating without insurance is a major risk. As a petpreneur, your goal is to build a business that is sustainable, professional, and trusted.
By investing in pet walking business insurance, you not only shield yourself from financial loss but also position your business as reliable and credible—key factors in long-term growth.
Whether you operate solo or plan to grow your brand, make insurance a top priority from day one. Review policies annually as your services expand or your clientele changes.
Legal Disclaimer
This article provides general business advice for informational purposes only. For specific legal or tax guidance, please consult with a licensed professional in your area.
To learn more on how to start your own pet walking business check out our completely free guide and newsletter here.
👉 Up Next: How to Set Your Rates When Starting a Pet Walking Business