Is dog walking insurance necessary when walking a family member’s dog?
People who walk dogs as a favor for friends or family members typically don’t require dog walking insurance, so long as they aren’t charging a fee. Risks such as dog bites, escape or injury are often covered by a person’s homeowners insurance liability coverage when doing the service as a favor for someone.
However, when dog walkers get paid for their services, the liability coverage of homeowners insurance is less likely to apply Dog walking insurance may be necessary when funds (or in-kind trades) are exchanged, even if the client is personally known.
Not carrying proper liability coverage can present tremendous risk, as a dog walker might be personally responsible if they lose a dog or something else happens.
If you’re uncertain as to whether your situation necessitates a dog walker policy, an insurance agent who specializes in these policies can help you determine whether it’s needed. A specialized agent will understand the limitations of homeowners liability coverage, and when dog walker policies are typically a better option.