How to Get Dog Walking Insurance in New York
- 1). Check that the insurers you are considering are registered with the New York State Insurance Department. This gives you the peace of mind that you are fully protected by state insurance law should you have a dispute.
- 2). Consider whether to join a professional dog walking organization that may offer insurance coverage for your business. This can be a cheaper way to obtain insurance, although you do not have as much control over the policy terms.
- 3). Compare policies to see if they will provide the type of coverage you need. There are several specialist insurers who offer business policies to dog walking services. The terms of their policies differ slightly. Dog walker insurance usually covers bodily injury to yourself or a third party, property damage and claims brought against you or the dog you are walking. It can also include coverage for any necessary vet bills. It can be helpful to talk to an insurance agent to ensure you buy the right level of coverage.
- 4). Ensure that your employees are also protected under the policy. It can be particularly pertinent for dog walking businesses to check if employees under 18 are covered.
- 5). Prepare a presentation, either verbal or written, for that explains to your clients that you are insured, and explains why this gives them extra peace of mind while you are caring for their pets. This can be a distinct business advantage to you over less well-prepared competitors.
- 6). Reassess your coverage needs at least annually to ensure that your growing business is still properly insured.