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If you have employees or are thinking about expanding your staff then you should know you will need a worker’s compensation insurance policy. Required by most states, workers’ compensation insurance provides benefits to the employees of your business for work-related injuries or illnesses including medical care, wages from lost work time, and more. And if the worker decides to sue you, coverage can help your mobile pet grooming business with related legal fees. You know how easy it can be to make a mistake around energetic or nervous animals. You can be sued for damage and expenses resulting from errors as a mobile pet grooming professional. Professional liability insurance can provide financial protection and help cover the cost of your defense.
Many pet parents must make decisions about their pet’s care based on cost. However, pet insurance helps by reducing financial risk and ensures your pet can always have access to quality care at an affordable rate. If your pet insurance plan covers prescription medications, then it should cover antibiotics, unless they are prescribed to treat a pre-existing condition. Most providers allow you to cancel your pet insurance policy at any time. Most pet insurance programs are for dogs or for cats, as they tend to be the pets that are most expensive to treat.
You can save on pet insurance by enrolling when your pets are still young, as your monthly premiums are guaranteed to be lower. Some pet insurance providers will also give you a discount on your bill if you agree to make annual payments instead of monthly payments. Others offer discounts if you insure multiple pets under the same provider. Finally, you can purchase an accident-illness plan with a wellness add-on. This is the most expensive type of plan on the market, but it provides the most comprehensive level of coverage.
ASPCA Pet Health Insurance has provided pet insurance plans since 2006. With options for dogs, cats and horses, the company allows pet owners to visit any veterinarian in the U.S. and Canada. It offers complete coverage and accident-only plans and preventive care options. Offers pet insurance plans that cover veterinary treatments related to illness and injury. As a business owner, I recommend finding an insurance agent that knows the dog daycare business and kennel insurance coverage completely. Or better yet, give me a call and I will get you setup and protected properly.
With just a few clicks you can look up the GEICO Insurance Agency partner your Professional Liability Policy is with to find policy service options and contact information. With just a few clicks you can look up the GEICO Insurance Agency partner your General Liability Policy is with to find policy service options and contact information. With just a few clicks you can look up the GEICO Insurance Agency partner your Business Owners Policy is with to find policy service options and contact information.
Pet Sitting Insurance: Benefits, Policies And Costs
Read our reviews of the best pet insurance companies on the market, with pros, cons, pricing, and more. Most pet business owners get a Business Owners Policy which is generally a combination or bundle of the most commonly needed types of insurance coverages in the pet business industry. Professional insurance covers your business against claims for loss or damage due to negligent advice, services, or breach of professional duty. Pet business insurance for dog walkers, pet sitters, pet home boarders, pet groomers, pet trainers, and pet taxis. Public liability up to £5 million plus optional extras, select the level of cover to suit.
More non-pet insurance brands are becoming interested in offering it. In the U.K., when pet health insurance came out 35 years ago, it delivered upon its promise, creating a positive experience, which is now backed by lots of advertising. In the U.S., early on, pet insurance didn’t pay what people expected it to, and the relationship with insurance in general is a bit rocky here. Business Insurers of the Carolinas has been providing General Liability Insurance specifically designed for pet sitters since 1995. BIC’s coverage includes the broadest Care, Custody or Control coverage for the pets and property in your care whether at your client’s home, in transit or at your home. BIC also provides bonding designed specifically for professional pet sitters, as well as workers compensation and commercial auto coverage.
If you qualify, a bond will be issued with your insurance quoteIf Dishonesty Bond is required, please check this box and complete the following section. I would also look into Facebook groups, yelp, and an app called next door which is community-based. Rover and Wag are definitely going to be some of your strongest forms of marketing. Another great way to advertise yourself is to show that you are certified or have credentials by posting them on your website or online profiles. You will also be a lot more credible if you get pet business insurance.
This is a package of various coverages included on all PROfur Masterplan policies. It is designed to maximize your protection by covering gaps that often arise unpredictably after a claim. Covers reasonable expenses incurred to find or attempt to find a pet that has escaped or been stolen (i.e. advertising, travel, pet transport, veterinary services). There’s no doubt that being your own boss has its rewards but it’s also down to you to make sure you’ve got an adequate safety net in place should you need it. Use our public liability and employers’ liability comparison services to find the right deal for you. The sum insured you select should represent the full replacement value of the property.
Then a well-meaning onlooker tries to comfort Molly, but Molly lunges and bites the stranger’s hand. That stranger expects you to cover his visit to urgent care, the stitches, and the medications he had to get as a result of the bite. With Thimble, you don’t have to commit to long, expensive stretches of insurance, though. You can access on-demand Pet Grooming Insurance through the Thimble app and customize your coverage down to the month, day, or hour.
Cats are thought to be the most destructive, costing owners more in repairs, than dogs. Protecting your home from your pet can be a challenge, and because pet damage is so common, insurers try to protect themselves against the risk. Some insurers offer Extended Accidental cover, which should cover chewed up sofas and glasses. LV, M&S and Saga all offer extended cover that will cover some pet damage.
Any insurance premium is based on a number of factors specific to you, such as the size of your business, the amount of cover you need and your claims history. Failure to disclose this information could lead to a claim on your policy, should you need to make one, being invalidated. Dogs can be unpredictable and sometimes over excited, which may inadvertently result in accidents.
It works similarly to an HSA , where you pay every month towards your account and those funds can be used to reimburse you for vaccinations, routine visits, grooming, and so forth. In other words, a $250 plan costs $225 over the course of a year, a $450 plan costs $425, and so on. For those who have more than one furry companion they’d like to enroll, some pet insurance companies will offer the perk of discounting the plan by a certain percentage. When choosing health insurance for your pet, it’s important to review your options thoroughly to make sure you find the best insurance company that can meet your specific needs.
In line with pre-existing condition exclusions, the first item on Petplan’s pet insurance “checklist” is a waiting period, which can vary based on past or current injuries, illnesses, or conditions. “In pet insurance, a lot of companies have waiting periods,” Maniet said. For most small businesses, general liability insurance is recommended. Beyond that, it depends on your unique situation, but you may also need workers’ compensation, commercial auto, and/or professional liability insurance as well. Not all pet-related incidents will be protected by rental insurance liability coverage, nor will all pets. The coverage provided for your pet relates strictly to liability issues.
Its a sigh of relief knowing and understanding that the person caring for your pet is educated and covered by the correct insurance coverage. In other words, pet grooming insurance can help you avoid paying exorbitant costs out of your own pocket; costs that could potentially put you out of business. Or, if you a client sues you, a commercial general liability policy would cover any legal fees, as well as any damages that you may be required to pay. Similarly, a commercial property insurance policy would help to pay for any repairs that your building may need if it were damaged in a storm or by a fire, for example. Animals can be unpredictable, especially when they are in unfamiliar settings with unfamiliar people.
- Buying pet insurance is both an economic and an emotional decision that needs to be based on your personal financial situation and what you’re willing to pay for peace of mind.
- Many pet insurance plans have unlimited annual coverage, so there is no cap.
- “What we love about pet insurance, particularly in a large emergency room, is it takes away the consternation the owner might have about how they are going to pay” for treatment, he said.
- Not sure what types of business insurance are right for your small business?
For more health care coverage or a more injury-prone cat breed, you’ll likely pay closer to $30 or $35. Even with the same parameters for location, dog and insurance plan, insurers showed a range of nearly $50 across their plans. As such, if you live somewhere with expensive veterinary costs or own an injury-prone dog, you can expect your monthly restaurant business insurance premium to be closer to $70 than $25. Changing jobs can be a hectic experience, especially if you have to move. Fortunately, the IRS allows you to deduct some of the costs of moving, including amounts you pay to transport your pet to your new home. Specifically, you can write off the money you pay to have Fido shipped by air, sea or rail.
As a pet owner or owner of property in general, I learned some incredibly valuable tips to protecting me, my animals and my property. I certainly know the next time I have to call a roofer or when the water guys show up to work on my well system today – I am asking to see their insurance certificate! A good way to make an extra buck in our litigious society is to have an accident and sue, it’s sad sad fact. For only $10/year, you can be found in our search and have a profile page where customers can learn about your services and find a link to your website (which helps your website’s search engine rankings too). Once you sign-up, you’ll be able to manage all your information online.
Policy Excess Details
A single lawsuit or settlement could bankrupt your business five times over. Many companies and government agencies won’t do business with your company until you can produce proof that you’ve obtained one of these policies. Will it just be you that is grooming, or do you plan to hire employees as well? If you have employees, then you’re going to need workers Comp, which protects employees if they get injured on the job and pays for medical expenses and lost wages. As the owner and proprietor of your pet grooming business, you’re liable for any mishaps that occur.
When we looked at their pricing for our dog, a 7-year-old male, mixed breed dog, their rates were more competitive with other plans. On a policy that included a $5000 annual limit, 70% reimbursement, and a $500 annual deductible, we would pay $38/month. On the upper end of the spectrum – unlimited annual limit, 90% reimbursement, and $100 annual deductible – our premium would be $114.97/month. Founded in 2009 by two professionals who met at a no-kill animal shelter, Healthy Paws Pet Insurance and Foundation set the goal of helping all pets, homeless and adopted, to live their best, healthiest lives. Wellness/routine care options exist, but they are a “supplementary, non-insurance benefit”.
It is the place to outline exactly what your service offers, pricing, payment options, cancellation policies, damages, veterinary situations, etc. Make sure you have a signature before you begin work for a new client. A basic veterinary release form will allow you to take the pet to the vet with the owner agreeing to pay any resulting bills.
Our block of business includes birds, reptiles, bunnies, and of course, dogs and cats. New breeds of pets continue to emerge, with their own unique health risks and corresponding treatment protocols. Consequently, it is crucial to keep current with the ever-evolving risk factors of the business.
The remaining 2% of insured pets were covered through an Accident Only plan, says NAPHIA. For dog walking and pet sitting businesses, trust is extremely important. While they do offer other products, LTDO’s emphasis on easing new dogs into the service shows their dedication to the wellbeing of their client’s pets. Without needed liability coverage, sitters are taking a huge risk.
You can use USAA pet insurance at any licensed vet or animal hospital in the country, with no restrictions. Just remember that there’s a mandatory waiting period of two days for accidents and 14 days for illnesses. You can submit a claim online through the Embrace website, and you should get reimbursed between 10 and 15 days if the service is covered. The company doesn’t disclose the deductible options, but when you buy coverage through Embrace directly, you can choose a deductible between $200 and $500.
For young pets who typically only need yearly checkups, the cost of insurance may outweigh the cost of services. However, should an emergency arise, the cost of veterinary care could surpass the insurance premium. Also, as senior pets usually need more procedures, the coverage could save money, whether there is an emergency or not. Primary pet care includes annual exams and vaccines, blood work, and dental cleanings. However, there is explosive growth in specialized areas of pet care such as neurology and oncology.
Please call or email Kevin Morency if you have any questions or to set up an appointment for a free comprehensive review of your insurance. You developed your pet food to keep your customers’ pets happy and healthy. We want to help pet parents do the right thing – because no pet should have to suffer due to unaffordable treatment costs.
All pet bakers need pet bakers insurance to protect their business from claims and defense costs associated to the operation of their business. Without insurance, you and your pet bakery business could insurance for business cost be devastated if a pet becomes ill after eating your food, if you damage somebody’s property, or if your equipment is stolen. FLIP insurance is portable and is not specific to any one location.
Only certain companies offer such policies – so it pays to find good resources, ask around to colleagues, and consult with an insurance professional who can give you some unbiased advice. Whether you’re a veterinarian or another type of pet care provider, the article Insurance Veterinarians Need to Protect Their Practice may help you think about the best way to protect your business. Licensed in 48 States, we service the insurance needs of individuals, families, and businesses locally, regionally and throughout the United States. Our aim is to reduce your insurance costs, provide you with the comprehensive coverage you need and to eliminate any gaps in your coverage. We are committed to be honest, fair, and to treat our client’s needs as if they were our own. While the list is dominated by smaller, lesser-known insurance names, some larger players are treating pet owners to their products and services.
There’s just so much information to digest, the easiest way to simplify the comparison process to view plans sided by side – highlighting key differences in pricing and coverage. You’ll receive a data-driven recommendation based on your pet’s breed risks, location, lifetime cost expectations, and more. Basic rates for dogs begin at $32.83, but that rate is much higher as your dog ages.
Award winning pet insurance includes cover for congenital, hereditary and behavioural conditions. 98% of Covered for Life claims paid – that’s over £5million paid every week to help Petplan pets get the veterinary treatment they need. In fact, they are often very willing to share startup advice with you.
March 2021 – Waffle and Crum & Foster Pet Insurance Group announced a partnership with ASPCA Pet Health Insurance to provide pet owners with customizable and high-quality coverage in the U.S. The key to managing your dog trainer insurance cost is to work with a member of the Trusted Choice network. An independent agent can obtain multiple quotes for dog trainer insurance and help you pick the lowest rate for the policy that will meet your needs. It is important to note that none of the basic programs for dog trainer insurance will provide coverage if you are training dogs for attack, guard or fighting purposes.
If you select one of the best pet business insurance plans, it will protect you from potential lawsuits and other legal issues with clients. Be sure to read your pet sitting insurance policy carefully and ensure that there are no exclusions that could leave you with coverage gaps. If you’ve got specialist equipment you want to cover, consider adding business equipment insurance too.
Pet owners can choose to pay a deductible of $100, $250 or $500 and pick between 70%, 80% or 90% in coinsurance. Lastly, you can set your preferred annual limit between $5,000-$100,000. All pets can have two different wellness riders added to their policies for preventive care. While exact limits on treatments differ by animal, these riders work on an itemized basis rather than the more common annual limit for any wellness procedure. Pet Insurance Best Pet Insurance Companies 2021 Get transparent information on what to expect with each pet insurance company. Best Pet Insurance Companies 2021 Get transparent information on what to expect with each pet insurance company.
They can’t imagine life without a home full of their fun and loving furry companions. Covering loss or theft of keys held in connection with the business and costs in replacing external door locks. “My company is just me at the moment, but Thimble makes it easy to add crew members or Additional Insureds. Essentially, the coverage can grow with my business.”
If your daycare business is larger and has at least one separate office space, you’ll need business property coverage for each location. But really the biggest difference in pricing is the overall size of your daycare business, or its annual revenue. Many instances could arise where your daycare business faces a lawsuit. Even if the charges are dropped, the ensuing legal defense fees can be very expensive. Liability insurance covers court costs and legal fees associated with covered events.
Despite these risks, there are good reasons to expect that pet insurance stocks could perform well for investors over the long term. With pet ownership in the U.S. and many other countries consistently rising and more people working from home, owning pets has become increasingly common. Europe is expected to hold the highest market share in the global pet insurance market. Nationwide Mutual Insurance Company and Anicom Holdings are few of the top players in the global pet insurance market. Increasing number of pet adoption and the launch of novel pet insurance schemes are the key factors driving the global pet insurance market.
WHAT TO LOOK FOR WHEN PURCHASING BUSINESS INSURANCE FOR MY PET CARE BUSINESS#instabusiness #petcare #success #insurance #pet #care #business #businessinsurance #carebusiness #purchasinghttps://t.co/UMN9nuL8mP pic.twitter.com/3GYuLYWoAc
— Advantage Insurance Solutions (@yourteam_ais) August 2, 2021
It gives clients peace of mind knowing that you will take responsibility for your mistakes. You’ll get help paying for expenses after an accident if you’re held responsible for injuring someone or damaging their property. Commercial general liability can also help cover defense costs if you are accused of libel or slander.
All users of our online services subject to Privacy Statement and agree to be bound by Terms of Service. “Our conclusion is that for a generally healthy animal this insurance is probably not worth the cost,” says senior editor Tobie Stanger. If you are a pet owner, you should check whether your pet’s species or breed is excluded under your liability policy. They cover dog insurance as well as cat insurance over the age of eight weeks to 14 years old.
QuickBooks and Quicken are each excellent tools to use to track business expenses electronically. It is also not a bad idea to hire an accountant to take care of the business taxes so the sitter can focus solely on caring for the pets. Additional tax and business expense information can be found at SBA’s official website. Once the bond is turned in to the obligee, the pet sitter may begin taking care of animals. In order to find out the exact bond type, contact the state in which the business will be operating.
Increased services – There is more attention being paid to pet grooming, pet care, pet transportation, pet hotels and many others. If you operate a business whereby you run a specialised boarding premises, you may be better off looking at our dog kennel insurance policy. Your choice of between £1 million and £10 million worth of cover in case of injury or damage to a third party or their property caused by your business’s actions or by an animal in your care.
Pet care business insurance is something very few of us think about but really should. Whether you are a pet owner or pet care professional – making certain you are covered when something goes wrong is paramount. This policy provides coverage in the event that you are legally liable for injuries, damages, or death sustained by an animal in your care, custody, or control that you are legally liable for. Coverage includes payment for medical bills, animal recovery expenses, and replacement for a lost or deceased pet. Whenever children are involved, an extra level of care needs to be taken when selecting an business insurance policy.
You should invest in coverage for your business before your first interaction with a customer. Although the cost of insurance may seem high for a brand new business, it’s best to be proactive when it comes to protecting your assets. After all, you can’t buy business life insurance insurance to cover a loss that has already occurred. If you run your pet-grooming business from home, this policy will be an important addition to your other coverage. Home insurance often doesn’t cover business-related issues that occur in the home.
To have the most options, buy a policy before your pet reaches an advanced age. Preventative care add-ons – You’ll get the best value from an accident or illness coverage plan, but you could add coverage for preventative care. Policies that cover routine care and accident or illness care are called comprehensive coverage. You’ll get the same coverage regardless of the premium paid, as the cost of insurance isn’t tied to benefits.
Umbrella insurance coverage will initiate after your renters insurance liability limit or sublimits are fully utilized. For example, if your renters insurance only covers pit bull liabilities up to $5,000, you will only utilize the umbrella policy in the event your liabilities exceed that amount. For reference, one of the most common liability insurance claims is for dog bites. The average cost for a dog bite claim in the U.S. is about $35,000. But in a severe incident, medical and legal fees could far exceed $100,000.
Still, a plan with a low premium might be your best option if you’re on a tight budget. We had insurance for our dogs for a reputable company – didn’t have a claim for years, and when we did, hardly any of the procedure was paid. Trupanion’s business saw record-breaking service across the board, from the speed at which inquiries were answered to how quickly the company was able to process veterinary invoices. And the company’s refer-a-friend and add-a-pet channels increased the number of monthly subscriptions for its insurance plans. Trupanion has seen its business boom in 2020, reporting strong top-line and bottom-line growth. The COVID-19 pandemic has led to record pet adoptions as people have had more time to take care of a new animal as they work and relax from home.
Compensation, along with hours of in-depth editorial research, determines where & how companies appear on our site. Pet insurance helps protect you from unexpected vet bills and gives you peace of mind. Through the #1 pet insurance marketplace recommended by veterinarians. There’s not a lot of sophistication online in the pet industry, so there’s room for improvement there. Know the wider industry you work in, whether that’s the pet industry or any other. I don’t have to care about pet food and pet accessories, but I do, because it’s part of my industry.
You can be sued for damage and expenses resulting from errors as a dog day care professional. Dog Day Care Insurance is something all dog day care business owners should be using to protect their kennel business with a business owners insurance policy. Because it helps protect your business by providing liability protection, coverage for your property, your tenant improvements or the building and income generated from your business. Please visit to review all available pet health insurance products underwritten by APIC. IAIC is a member of The IHC Group, an organization of insurance carriers and marketing and administrative affiliates, please visit for additional information.
Public liability insurance is probably the place to start for your pet business insurance policy. This insurance protects you against claims made by members of the public for injury or damage caused by your business. Insurance for pet sitters is designed specifically to protect your pet sitting business from bodily injury and property damage claims. We also provide additional options to meet such as employee dishonesty coverage and additional insureds to protect your business.
It is very important to discuss a veterinary contingency plan with the owners prior to their departure, as they may be unreachable at their vacation destination. For each owner who uses your pet sitting service, maintain a contact sheet that includes their address, phone number, email, and emergency contact numbers. Be sure to record complete information on each pet including breed, color, date of birth, health history , veterinarian’s name and clinic contact information. For repeat clients, make sure to ask if there are any updates or changes to what you have on file for the pet.
The company offers a lengthy 270 days to file claims, which is three times the industry standard of 90 days. ASPCA’s premium prices are considered relatively standard for the industry. It is important to keep in mind that older animals will cost more to insure than younger puppies and kittens, and that certain breeds are known to be more prone to health issues. The premiums for pet insurance vary greatly and can be affected by many factors. It is known for excelling in the realm of digital customer experience by offering simplified online quoting and claims processes and a convenient mobile app to manage policies on the go. ASPCA pet insurance is offered through the Crum & Forster Pet Insurance Group, which was established in 1997 and has been accredited by the Better Business Bureau since 2015.
Our research team vetted 22 pet insurance companies that have been rated by more than 3,450 verified customers. There are two main insurance policies need to protect your dog daycare business and a handful of policy endorsements that are needed to properly protect the dog day care business. My goal is to explain the type of insurance coverage that all dog daycare businesses should have.
Are you a mobile groomer, or a contract groomer working in someone else’s salon? PROfur is engaged in our industry and are committed to creating the right coverage for you. If you own a motorcycle for personal use, motorcycle insurance protects you and your bike.
Instead, your premiums will be determined by what type of pet you have , the age of your pet, your location, and how you customize your plan. TrustedPals offers a wellness plan as an add-on, covering yearly vet exams, vaccination, preventive dental cleaning, and spaying or neutering. Your policy will also cover vet-prescribed alternative treatments such as acupuncture and hydrotherapy. Pumpkin plans for puppies are similar to its regular dog insurance plans, but are more affordable and include an optional preventative care pack. Finally, Pets Best allows pet owners flexibility regarding annual limits, deductibles, and reimbursement levels, which go up to 90 percent. Healthy Paws Foundation’s Every Quote Gives Hope Program donates a homeless pet’s medical care with every free pet insurance quote.
Pet insurance is considered a type of Property and Casualty insurance and UnitedHealthcare is solely referring certain members to Figo. Availability of this program is subject to each state’s approval and coverage may vary by state. Pet insurance policies are underwritten by Independence American Insurance Company , a Delaware Insurance Company. Insurance plans and the Figo Pet Cloud are administered by Figo Pet Insurance, LLC. Live Vet is a separate non-insurance service unaffiliated with IAIC.
Somepet insurance policies cover dental and wellness visits as well. The only thing no brand of pet insurance covers is pre-existing conditions. Trupanion has also executed well on building relationships with veterinarians. Veterinarians are important because many pet owners rely on their vets for recommendations on which insurance provider to use. Unlike other pet insurance companies, Trupanion uses a direct sales approach and sends its sales team to directly meet and establish relationships with animal hospitals. The company counts over 11,000 active hospitals that actively recommend its insurance products, contributing to a healthy stream of customer referrals.
These commissions are how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. And it gets better, you don’t have to review the policy options alone.
You should also plan on paying a one-time fee of $25 to set up your account and cover your monthly billing costs. Claims can be submitted with photos/scans of documents right from your phone, which makes the reimbursement process happen even more quickly. Some people get paid back for claims in a week or less, which we think is amazing. We’re pleased to heat that we were able to provide a policy to cover your needs. If your dog is wall-eyed, for instance, she won’t die if you don’t get her vision fixed.
Explore how having the right business insurance can protect your company from the unexpected. For emergency trips, make sure to adhere to CDC guidelines regarding masks and social distancing. Pet owners should make use of telemedicine alternatives instead of making in-person visits to the vet. Pet’s age – After your dog or cat reaches age 12, your choices for new coverage will diminish significantly.
Also, growing number of major players entering the untapped market in Asia Pacific region will further propel pet insurance market growth. Public insurance providers segment is estimated to witness favorable growth across 2018 to 2026. High growth is attributable to increasing awareness among the pet owners about several insurance policies and with growing pet insurance penetration rate across maximum countries. Moreover, increasing disposable income in developed as well as developing economies is another important factor encouraging people to spend on their pets more. The aforementioned factors will strongly support segmental growth across the forecast years. Some policies cover specific conditions, but only after a waiting period elapses.
Even though the accident was caused by the dog, you as its carer might be hit with compensation costs and legal fees. In the U.S. pet insurance actually got started in the early 1980s, but didn’t really get a lot of traction until about 10 years ago. The big catalyst for that in the employee benefits space is the perception and the treatment of our pets as family members. She pays $55 a month to cover Klover, her 1-year old Burnese Mountain Dog.
Age restrictions also apply, with pets older than eight years old restricted to 60% reimbursement and a $750 annual deductible. If your pet is older than six, Healthy Paws requires that your pet have a physical exam within 30 days prior to policy purchase or within the first 15 days of issuing the policy. Business insurance is designed to protect a business owner’s financial assets and is an essential investment for a pet sitter.