Compare business insurance quotes with Savvy to find the best policy for your dog walking business.
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Many people who love animals, especially dogs, consider a dog walking business to be their dream job. You can enjoy the outdoors, have fun with multiple fur babies and keep fit, all whilst getting paid! However, have you thought about what might happen if one of your dogs bites another dog or even a person? For this reason, having business insurance as a dog walker is vitally important.
You can compare quotes for business insurance to protect you right here with Savvy. Just answer a few simple questions about your new business venture and the insurance you need, and you’ll have a wide range of offers to consider instantly from some of Australia’s most respected insurers. Compare quotes here with Savvy to help you get the best-value insurance for your dog walking business today.
The main types of insurance to consider if you’re running a dog walking business are:
Public liability insurance
You can be held personally liable for any biting, attack, accident or injury caused by any of your dogs. For this reason, it’s vital to have public liability insurance to protect you against any third-party liability claims resulting from your dog walking business.
Public liability insurance is essential for anyone who has contact with the public or their property. It will protect you and your business against any third-party claims that your negligent business activity (in this case, walking dogs) caused injury to someone or damage to their property.
Many councils take the issue of liability so seriously that there are by-laws which stipulate that all dog walkers and pet sitters must have a minimum amount of public liability before they are permitted to take their dogs onto council land or even public beaches. This type of business insurance offers between $5 million and $20 million worth of cover.
What it covers:
Personal accident and illness insurance
Since you rely on being fit and healthy to walk your dogs and earn your income, taking care of your health should be high on your priority list. Accident and sickness insurance can provide cover for you if you have an accident or become sick and are unable to work. It can provide a weekly replacement income if you’re injured or too ill to earn any wages.
What it covers:
Optional extras can include:
What isn’t covered under my dog walking business insurance?
The most common general exclusions include:
Compare quotes for public liability insurance and accident and sickness insurance right here through Savvy. With so much competition in the market, we can help you find the best business insurance at the lowest cost so you have peace of mind that you’re covered no matter what happens.
There is no set cost for a business insurance policy, as each applicant is different and faces unique risks. Many factors influence the price and cost of business insurance, including the following:
The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another.
However, because your location also plays a part in the cost of insurance, how much you’ll pay will also depend on where you live. For example, the cost of public liability insurance for a business in South Australia will be different than for a dog walking business in WA.
Dog walking and pet sitting may seem a simple task, but there are many risks to consider and things that could potentially go wrong. For example:
In many of these instances, you can be held personally liable for the damage, injury, loss or expense caused by the animal under your care and control, just as tradies and handymen are also held responsible for the work they do.
Such personal injury or damage claims can run into millions of dollars, which is why it’s so vitally important to have insurance to give you cover in the event that an unfortunate incident does take place. Public liability insurance is there to protect you and your business so you can continue being a pet sitter and walking your furry friends well into the future.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
