Pony Nanny Animal Services
Pet Sitters Associates Insurance
Coverage
http://www.petsitllc.com/InsuranceProgram.php
Exclusively for
members of:
Pet Sitters Associates, LLC
Administered by:
Insurance Facilities
Underwritten by
an:
A.M. Best rated: A (Excellent) Insurance Company
Membership ID
#: 15803 Effective:
-Liability for "Bodily Injury" or
"Property Damage".
-Loss to pets in our care, custody and
control, should a pet we are responsible for be lost, stolen or accidentally
injured or killed. This also covers the pet while being transported.
-Veterinarian Expense is covered for
animals accidentally injured while in our care when there is not negligence on
our part.
-Loss to Personal Property other than
pets, protection for customer's property in our care, custody or control. This
is broader than most bonds as bonds cover only dishonest acts.
-Lost Key Coverage. This would pay for
the cost of having new keys and locks installed in a customer's home should we
lose their keys.
- Medical Payments Coverage. This is
third party coverage. An example of how this coverage works is; if we were
walking your dog and the dog bit a passerby, depending upon the situation we
would pay for that person's medical bills. This could be done without the other
party starting a lawsuit.
Questions?
Who is Insurance Facilities?
They
are a national broker-agent that manages this program for the insurance company
and the covered pet sitters. Insurance Facilities is a national insurance
broker specializing in association and group insurance. They have been
operating on a local or national basis since 1932.
What
does the insurance pay for?
The
policy states: "We will pay for those sums that the insured becomes
legally obligated to pay as damages because of "Bodily Injury" or
"Property Damage" to which this insurance applies. We will have the
right and duty to defend the insured against any "suit" seeking those
damages."
What is Bodily Injury?
The policy defines Bodily Injury as: "bodily
injury, sickness or disease sustained by a person, including death resulting form
any of these at any time." Bodily injury liability is designed to pay for
injury you cause to someone else. Example, if you were walking someone's dog
and that dog bit someone we would be for any liability you would be legally
liable to pay.
What is Property Damage?
The
policy defines Property Damage as:
a.
Physical Injury to tangible property, including all resulting loss of use of
that property. All such loss of use shall be deemed to occur at the time of the
physical injury that caused it; or b. Loss of use of tangible property that is
not physically injured. All such loss of use shall be deemed to occur at the
time of the "occurrence" that caused it. Property damage liability is
designed to pay for damage to property of others. This coverage contains a
special exclusion for property in our care, custody and control. This is why we
have designed the special coverage parts for pets and the option to purchase personal property of others coverage.
What is an occurrence?
An
occurrence is a single claim or loss.
What about bonds?
Bonds
usually require that the person be convicted of the crime before the bonding
company would make a payment. Our special personal property endorsement
provides broader coverage and includes losses such as breakage, destruction,
mysterious disappearance and loss caused by an employee theft from our customer's
premises.
What about Incidental Help?
We
understand that every pet sitter needs an occasional helper. Coverage is
included automatically should we need to hire someone on a temporary basis in
the event of an emergency, illness or to help during the holiday season.