Is dog walking insurance necessary when informally walking a neighbor’s dog?
People who walk dogs for friends, neighbors, or family without charging a fee normally don’t require dog walking insurance. Although there are still risks of a dog attacking, running away or being injured while walking them, these are frequently covered by homeowners insurance’s liability coverage when there isn’t a fee charged.
When dog walkers charge for their services, homeowners insurance’s liability coverage is much less likely to apply. Dog walking insurance might be needed in these cases, even if it’s a friend, neighbor or family member who’s paying.
If there’s any question as to whether a dog walker policy should be purchased, an insurance agent who specializes in these policies can help sort through the matter. A specialized agent will be familiar with the provisions of homeowners liability coverage and of dog walker policies, and thus has the knowledge needed to recommend the best option for a dog walker’s situation.