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Who insures it · 3 named markets · read 2026-10-28

Who insures dog trainers, kennels, pet sitters, dog walkers?

Dog trainers, kennels, pet sitters, dog walkers is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

3 markets publicly write dog trainers, kennels, pet sitters, dog walkers: Pet Care Insurance (PCI) - Veracity Insurance Solutions, Pet Sitters Associates (PSA), SECURA Insurance - Dog business insurance. 2 program administrators, 1 admitted carrier.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Pet Care Insurance (PCI) - Veracity Insurance Solutions
Program administrator
Pet sitters, dog walkers, dog trainers, pet groomers, pet kennels, doggy daycare, pet boarders (including Rover/Wag providers): GL plus animal bailee for pets in care, custody or control; optional business personal property; placed through A-rated carriers
“Pet Care Insurance is conveniently designed to cover sitting, walking, grooming, training, and more all in one plan!”
all 50 statesnot statedpetcareins.com · read 2026-10-28
Pet Sitters Associates (PSA)
Program administrator
Membership program for pet sitters, dog walkers, pet groomers, pet boarders and pet trainers; liability for pets in the member's care; pet daycare and boarding coverage option
“As a member with Pet Sitters Associates, you receive insurance coverage for the pets that are in your care”
all 50 statesnot statedpetsitllc.com · read 2026-10-28
SECURA Insurance - Dog business insurance
Admitted carrier
Dog daycares, dog trainers (obedience, agility, hunting), dog walkers, pet groomers (mobile or brick-and-mortar), pet boarding kennels (day and overnight), pet sitters; GL, animal bailee, pet professional liability, mobile equipment
“Our pet care insurance coverages are ideal for dog groomers, walkers, sitters, trainers, and other pet-related businesses.”
not statednot statedsecura.net · read 2026-10-28

Five markets verified. Business Insurers of the Carolinas (PSI's preferred provider) could not be verified because businessinsurers.com is now a parked domain; KennelPro (kennelpro.com) failed TLS and Mourer-Foster redirects to pcfmichigan.com, which could not be fetched.

How dog trainers, kennels, pet sitters, dog walkers gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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