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Occupational Accident Insurancefor Pet Sitters – What it Includes

and How to ApplyDavid Pearsall, CIC, CWCA

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NEW!Occupational Accident Coverage

Coverage for on-the-job accidents that owner operators or contracted pet service professionals sustain

while providing pet care services

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Objectives

• Covered claims.• Coverage policy provides.• Qualifications for policy. • Policy plans and cost. • How to apply.

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»SECRET WORD #1

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Examples of Covered Claims• Dog bites you incur while caring for clients pets.• Injuries sustained in auto accident while in route to

client’s homes.• Slip and falls.• Injuries sustained when pet drags or knocks you

down.• Any other injuries caused by accident arising out of

work you perform as a pet sitter/pet care provider.

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Coverage Provided

• Accidental Death $100,000

• Accidental Dismemberment $100,000

• Accidental Disability Benefit $100,000

• Accidental Medical Expense $750,000 -$100 Deductible

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Accidental Disability BenefitLimit $100,000

• Option of $300 to $500 weekly maximum up to 104 weeks (7 day waiting period).

• Your disability income is based on average earned Income for past 52 weeks as reported on Tax Form 1099, at time of loss.

• You must be under the care of a licensed physician and claim must be reported in first 30 days.

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Who Qualifies?

-All active PSI members that are Owner Operators: (Sole Proprietors, LLC Members, Corporate Officers and/or Independent Contractors meeting the legal definition/requirements as set forth in your state)

-Must perform work under a formal written work agreement or contract for all clients and/or companies you work for, and must provide with initial application.

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Continued… Who Qualifies?-Must receive compensation reported under a Form 1099 for

compensation and self-employment tax purposes, and

-Must have responsibility for determining the time, means and method of performing the work required under the contract

-Must be able to generate a profit or a loss from the business

-Should carry your own General Liability Insurance

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Who Does Not Qualify?

• Anyone receiving income under Form W2• Volunteer workers or employees

*Please note this is not a coverage of workers compensation insurance and does not relieve an employer of workers compensation coverage obligations.

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What does it cost?

- Two options depending on maximum disability benefit desired:

Option 1 - $300 weekly benefit $456 Option 2 - $500 weekly benefit $576

Premium can be paid quarterly or annual. Credit cards are accepted on annual payment only. A $6 installment fee if quarterly pay plan chosen.

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How to Apply

-Go Online to www.PSI.petsitterinsurance.com click on the Occupational Accident tab, then click on Apply For

Coverage. You will need to print and complete the application. Mail with payment to Business Insurers of

the Carolinas.

-Call 1-800-962- 4611 Ext 1 or Email PSI@Business-Insurers.com and request an application.

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»SECRET WORD #2

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Continued… How to Apply

-Please note we must have a signed original application, therefore you can not submit applications online.

-Coverage will be effective the 1st day of the month following receipt of your application with payment.

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Questions and Answers

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Thank You