
Pet Care Professionals Insurance
Your pet care practice, our priority.
From accidental injuries to unexpected losses, pet care professionals can be exposed to significant financial burdens. Our team takes the time to craft customized policy packages to ensure complete protection without any surprising gaps.
Covering those who care for our pets.
Our PROfur policies are tailored to address the specific needs of pet care providers, offering protection against liability claims and the potential costs associated with pet injuries or deaths. Whether you operate a home-based business, a commercial facility, or as an independent contractor, we have the coverage you need to safeguard your business and provide peace of mind.
Who we help
Pet Groomers
Pet Sitters
Pet Boarding Operators
Dog Daycare Operators
Dog Walkers
Dog Trainers
Multi-Service Pet Care Professionals

Our diverse experience.
As Canada’s first specialized insurance provider for pet care professionals, we’ve worked hard to build our insurance offerings from the ground up in order to provide complete protection and the utmost certainty for our clients. Our policies are highly customizable and we pride ourselves on developing a unique product for your business’ size, coverage needs, and individual service offerings.
Our team is incredibly knowledgeable and experienced in many diverse areas within the industry, such as:
Dog Trainers
Pet Boarding
Dog Daycare
Pet Therapist
Pet Grooming
Dog Walking
Pet Sitting
The essential coverage your industry needs.
Our team has been protecting pet care professionals since 2006. We truly understand your insurance needs at the frontline of pet care.
Commercial General Liability
This key coverage protects against accidental injury to others, including your clients and pets, as well as accidental property damage.
Professional Liability
This coverage, also known as errors and omissions insurance, provides protection against lawsuits alleging your service or advice caused injury or loss to a pet.
Accidental Injury, Loss or Death of Pets
This covers unexpected expenses incurred to care for pets injured or lost while in your care, including emergency veterinarian expenses. It doesn’t require you to be sued in order to use the coverage.
Business Contents and Equipment
Protects your business contents, including tools and equipment, plus stock and potential renovations, from fire, theft, vandalism, storm damage and more.
Business Interruption
Helps to cover lost profits and ongoing expenses if your business is interrupted due to a claim.
Lost Key Coverage
Helps compensate dog walkers and pet sitters for the cost to replace or re-adjust the locks at a customer’s house if you lose their keys.
Bonding
Insures dog walking and pet sitting businesses against the theft of your customer’s contents by your employees while they’re working for you.
Runaway Recovery Expenses
Covers reasonable expenses incurred, such as a reward, in an attempt to find a pet that has escaped or has been stolen.
Pets in Transit
Insures pets while they’re being transported in your care, such as driving a customer’s dog to the park for a walk or if you need to take them to the vet.
Let’s get your quote started.
Simply fill out our PROfur form to get a no-obligation quote in minutes – you can even pay for your policy online!
Pet care professional insurance claims examples.
Every day you, your pets, your clients or your business are at risk. From simple accidents to runaway pets, we have a plan for you. Our custom approach helps ensure you’re fully covered. We can protect you and your fury friends from a wide range of dangers you potentially face every day.
Here’s a sample of real-life woes PROfur has covered. There are always exclusions in any insurance policy, but we’ve tried to eliminate as many as possible to offer cover the unique risks of the pet care industry. While claim settlements are determined by the insurance company, we advocate for our clients to ensure you’re treated fairly.
A cat was brought in to be groomed, and being a master escape artist, is believed to have ripped a hole in a window screen and made a dash for freedom. Sadly, the cat was not able to be found after a substantial search by the client. The client was reimbursed $1,000 for the expense of buying a new pet and for mileage expenses incurred trying to find their cat. A sad story indeed. Regrettably, insurance can’t replace the emotional or sentimental value of a pet, however it can allow you to try and make the best of a bad situation for a client.
A fire broke out in a unit above our client’s grooming salon, causing extensive smoke damage to the salon. Fortunately no pets were injured, although the salon shut down for a few months until our client could re-open. His PROfur policy enable him to setup the grooming salon in a new location, paying about $46,000 for the extra expenses incurred to make the move, renovations at the new location, and a payment to help offset the reduction in business experienced until he could get the new salon up and running again.
A groomer’s client claimed that the groomer has used some type of product that caused their dog to have an allergic reaction. Their client presented an invoice for vet treatments and ultimately the claims adjuster paid the $2,700 bill – this was $700 more then $2,000 of coverage on the groomers policy! The insurance company for PROfur actually paid more then our client was covered for – how about that! We don’t argue when this happens, although we suspect the adjuster decided to pay this particular bill to diffuse the situation and avoid a potential malpractice/professional liability lawsuit. Whatever their reasons, it sure helped the groomer out.
A client’s grooming spa was broken into. The thief smashed a window to get in and took all scissors, clippers and blades. Our client was able to replace all the stolen items and repair damages through her PROfur Masterplan insurance policy with the insurance company paying for almost $4,000 in expenses.
A groomer was grooming a dog that was new to her. The dog darted from the groomer and broke through the locked door. The groomer always keeps the door locked to avoid accidental escape, but this was a big, strong determined dog. The dog ran outside and darted onto the road just as a cyclist was passing by. The cyclist, who was in the middle of training for the PanAm Games taking place 2 months later, hit the dog and flipped off his bike. The bike was damaged. The cyclist was taken to hospital by ambulance, and later advised the groomer that despite some road rash, he was ok. The dog didn’t suffer any injuries, and the dog’s owner later confided that the dog had done this with their previous groomer but failed to let the new groomer know this important fact. A short while later, the cyclist retained a lawyer who initiated a lawsuit against the groomer for his injuries – it was settled 2 years later for $25,000. The dog’s owner bore no responsibility for the incident.
A dog got away from a dog walker and jumped on a young child causing the child to fall and hit his head. The child reportedly suffered a concussion and the parents initiated a lawsuit against the dog walker. After three and a half years, the lawsuit was settled for around $43,000 (plus the legal fees) to defend the dog walker. It is unknown how well the child recovered, although given the young age and relatively low settlement, it is expected that the child is unlikely to suffer long-term effects.
Our client had just taken the grooming loop off the toy poodle when a customer came in with a big dog. The larger dog startled the toy poodle, who sustained tendon damage when she jumped off the grooming table. The poodle was taken to the groomer’s veterinarian right away and underwent emergency surgery. The adjuster for the PROfur Masterplan insurance policy dealt directly with the vet to confirm insurance coverage. The toy poodle was home and on the mend, and the vet had their $2,000 invoice paid – all within 3 days of when the big dog came through the door, helping our client to maintain the professional reputation of her grooming salon.
A dog was in the process of being groomed, but was very stressed during the process. The dog pulled hard on the grooming loop and passed out. He was taken to the vet right away to be checked out, where fluid was found on his lungs. The poor dog had to go for emergency surgery and overnight care at an emergency clinic. The insurance company for PROfur paid $2,000 in vet fees. This claim had the potential to turn into a malpractice/professional liability claim if the pet’s owner felt the groomer had been negligent in continuing to groom when the dog was so stressed. Fortunately, with the dog fully recovered and the vet fees paid for, the situation was diffused and no lawsuit was presented.
A dog was being walked when it cut its leg on a rock. The walker took the dog to their vet for stiches. Unfortunately the wound didn’t heal well and the dog required ongoing vet care. The vet expenses totalled $1,900, which was covered under the PROfur insurance policy. The dog made a full recovery!
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