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Pet Business Insurance – What Pet Owners Need to Know About It

Are Your Paws in Protected Hands?

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.

Pet Care Insurance

Pet business insurance I had the great fortune to have met the leader and pioneer in the pet business insurance industry. David Pearsall, CIC, CWCA is Vice President and Co-owner of Business Insurers of the Carolinas which is a multi-line commercial insurance agency specializing in insurance for pet service professionals since 1992. David has headed up Association Liability & Bonding Programs for the largest Pet Sitting and Dog Training Associations in the US, as well as many other national associations for over 20 years. He is a licensed insurance agent in all 50 states and has held the Certified Insurance Counselor (CIC) Designation and the Certified Workers Compensation Advisor (CWCA) Designation since 2002.

Among many other sponsorships, Business Insurers of the Carolinas sponsors the Pet Sitter’s InternationalBusiness Insurers of the Carolinas (PSI) Pet Sitter of the Year Program, the industry’s highest award. I met David during my “crowning” as they say back in early 2010 and from that point forward he has always stood out as the go-to man for questions about insurance. What makes David so genuine and unique is you would never know he’s selling insurance. He actually spends most of his time educating pet professionals (trainers, pet sitters, dog walkers, day care owners etc.) about what they can do to avoid accidents, protect themselves, the animals in their care and their client’s property.

David works closely with the pet care educational associations to bring the greatest coverage possible to both pet owners and pet care professionals while also providing resources on how to prevent accidents from occurring.

While I was initially inspired to bring insurance to the forefront of pet first aid awareness I wanted to do so from the pet owner’s perspective. While there is still so much for pet care business owners to know about, my friend and pet business consultant Bella Vasta from Jump Consulting has covered some great topics on this type of insurance that cater to the pet care professional. As a pet owner though, what the heck does pet business insurance and bonding matter to me?

As a Pet Owner Why Does Pet Business Insurance and Bonding Matter to Me?

David and I jumped on a Skype call to discuss this very matter. Even having done research on what questions to ask and thinking I knew many of the answers – I did not. 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.

Listen to This Valuable Conversation about Insurance

We covered a lot of topics pet owners and consequently – pet care providers should know about. We even covered pet insurance, not for the business but for the actual pet. It’s not anything David sells but he still recommends it as a tool to assist in coverage on certain things like diseases – which are not covered by general liability.

In our conversation David helps us understand concepts like animal bailee coverage, what being bonded is, the importance of worker’s compensation even if if a company only has 1 employee (the owner) and makes understanding insurance coverage easy. David makes talking about the topic fun – not something you would think possible about insurance!

Scroll down for the recording, you’re so close just a few more paragraphs! 

Be Proactive Instead of Reactive

Education is the best way to prevent having to use insurance – continuing education helps keep people alert, thinking about the what if’s and preventing more accidents which lead to insurance claims. Obviously this is a natural connection to our pet first aid and CPR course but it’s a very valuable set of skills to have as a pet owner or pet care provider. By being proactive and knowing what is safe for your pets and people coming into your home, you will save yourself pain, time and stress on the back end.

Hiring a pet sitter – especially one with liability insurance and bonding obtained through an educational association – will offer you the best and most precise coverage for that pet care provider’s service. 

Bottom line – if we can limit those accidents that are pure accidents we will all save money, insurance rates will go down, bottom lines improve and the pets, the people that care for them and your property stay safer. Its a sigh of relief knowing and understanding that the person caring for your pet(s) is educated and covered by the correct insurance coverage.

For the full conversation between David and I, hit the play button below.

If you experience an issue that you believe should result in filing a claim, first seek medical help for any humans or animals involved, then contact the insurance agency. For any questions for pet owners hiring a pet care professional using Business Insurers of the Carolinas or for pet care professionals looking to make certain they have the correct coverage, contact David at 1-800-962-4611 Ext #214, or via email at DP@Business-Insurers.com. He’s amazingly responsive, unbelievably knowledgable and a fantastic asset to making our pet industry safer.

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Why Learn Pet First Aid and CPR?

By Cara Armour, Product Manager Pro Pet Hero

You can search the Internet for pretty much everything now, heck you can even watch YouTube videos on how to fix a car or in fact perform CPR on your pet. While these options exist, they are not long-term learning platforms where you watch a vet teach you the techniques, practice what is being taught and then get tested on your retention.

While online learning has been proven by the US Department of Education to be a more effective way to learn, it’s only as good as the actual material, mode of presentation and instructor. YouTube videos are fine and dandy but is that information correct?

Learning how to save your pet’s life and knowing how to react when something is wrong is crucial to anyone that spends their life with pets. This includes pet owners and pet care professionals such as dog walkers, pet sitters, trainers, groomers, dog daycare operators and even vet techs. Did you know that vet techs – the nurses of the veterinary field are never taught cat or dog CPR in their training to become a certified veterinary technician? Crazy right?

You Care Enough to Know How to Save Them

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You’re reading this post so you are already intrigued about knowing what to do. It is pretty easy to just dash off to the ER vet, or even your regular vet. I can get an appointment for my dog or cat much faster and easier then I can for myself at my own doctor’s office. That is wonderful but sometimes the added stress and cost of being able to do that isn’t always the best for you or your pet – certainly not your wallet.

The Cost of Veterinary Care

pet-insuranceEven with pet insurance the cost of veterinary care is no joke. Depending on your insurance coverage (if you have it), you may still have to pay a good portion of the bill. Pet insurance does not work the same as human coverage – you pay up front, submit the claim, then wait for reimbursement; with monthly premiums this can all add up.

Please do not get me wrong, you are going to the vet for many issues, this is not to dissuade anyone from going and in fact the course teaches you about knowing when to go and what information to have to help the vet help your pet. Knowing when to go or even more importantly, what you can do before you head to the vet can be crucial for your pet’s survival.

The Big Picture of a Pet First Aid and CPR Certification Course

The title of the course doesn’t even begin to sum up the vast skills and knowledge that you will learn. Beyond the sheer volume of over 40 topics you will also learn what to do, what to look out for, and how to act.

If you are going to take the time to learn how to keep your pet safe or recognize issues before they become more serious – most importantly, get their heart beating again when it stops – then you will want to make certain you are learning the life-saving information from a qualified person.

Who Teaches Me How to Save My Pet in an Emergency?

Credentials are extremely important; I wouldn’t want to take a cooking class from someone that has never cooked, so why take a class about pet CPR from someone that has never used it to save lives? ProPetHero is an online cat and dog first aid and CPR certification course taught by a board certified ER vet, Dr. Bobbi Conner DVM, DACVECC.  She also happens to be a professor of veterinary medicine and critical care; so she’s saved a few hundred lives in her life and she teaches up-and-coming vets how to do the same.

cat-dog-first-aidIt’s important to have the right tools in your toolbox; or in this case first aid kit. I hope you never have to use them but in my 30 + years of sharing my life with pets and working with them, I’ve used the skills and knowledge more than I would have liked.

So for less than a night out and less than most wellness exams you can learn from an ER vet on how to help your pet. There are no animal EMT’s so your pet depends on you. Even if you just learn when to recognize when something is not right because you paid attention to when it was – you are on your way to making your pet’s life better.

A typical vet visit is 20 minutes, don’t you wish you had more time to learn from them, now you do and for a lot less than the time it would take! So set aside a little time, the course is under 2 hrs but you can take it in bite-sized chunks. It always remembers where you left off so you can take it at your own pace and place that is most convenient for you. After you complete the learning you’ll have the confidence to act in an emergency and take the best care of your pet. You have 2 years access to review the videos to keep the information fresh in your mind and have the correct information at your fingertips.

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Author Bio

cara-armour
Cara Armour

In 2003, Cara Armour co-founded Active Paws Inc., a professional pet care business based in the greater Boston, MA area that has expanded to grooming and operating a holistic pet supply store. Cara won Pet Sitter of the Year, the industry’s highest honor awarded by Pet Sitters International and collected many other accolades over the years.

Since 2003, Cara has been trained by the American Red Cross as well as several veterinarians in Pet First Aid and CPR. In 2011 she completed an instructor training course and became a certified pet 1st Aid and CPR instructor. When she found the training online by an ER veterinarian, she decided to join the ProPetHero team, the pet first aid and CPR division of ProTrainings. She is also a volunteer and foster home for The Boxer Rescue Inc, a health conscious breeder of Boxers, as well as an active member of several kennel clubs. She has been a mentor to many in the pet industry as well as those in the small business world.

Cara spends her free time traveling to agility, lure coursing and conformation trials. When not at a trial or finding a good home for a Boxer through the rescue, she’s training with her pups or playing in her garden.