Pet Sitter Insurance Cost
Pick a coverage to see the published figure, type a quote to compare, and tick coverages to add up a yearly budget.
Pet sitter insurance cost, in Insureon’s published figures, starts at a median of $42 a month ($500 a year) for general liability and rises to $245 a month ($2,942 a year) for commercial auto. This page shows the six published medians side by side, lets you type a quote to see how far it sits above or below them, and adds the coverages you tick into a yearly budget. Insureon publishes the same six figures for dog walkers, so the table also answers dog walker insurance cost.
The figures come from Insureon’s pet and dog sitting cost page (updated 3 July 2025) and its dog walking cost page (updated 15 July 2025). The tool runs in your browser, is free, needs no sign-up and does not ask for contact details. Every result is an estimate only and not a quote; get quotes from a licensed insurer or agent.
How to use the pet sitter insurance cost tool
- Under “Coverage”, choose a row: general liability, business owner’s policy (BOP), workers’ compensation, errors and omissions (E&O), cyber or commercial auto.
- Read the published figure per month and per year. For general liability the source states limits of $1M per occurrence / $2M aggregate; for the BOP it also states a $500 deductible.
- Type your quote into “Your quote (optional)” and set “Quote is per” to month or year to match how it is written.
- Read “Your quote against it” for the gap as a percentage of the published median. A $60 quote per month against general liability is 44% above the $42 median.
- Open “More options” and tick “Add to budget” for the coverages you want counted. General liability and E&O are ticked at the start, which gives $130 a month ($1,551 a year).
- In “More options”, type “Annual revenue (optional)” and “Employees (optional)” to see the budget as a share of revenue and per employee. With $40,000 of revenue, the $1,551 budget is 3.9% of revenue.
Everything updates as you type, and the address bar keeps your settings, so you can copy the link or print the result. If your quote is in a different period from the figure, switch “Quote is per” before reading the gap.
What does the published pet sitter insurance cost figure mean?
Each figure is from Insureon’s cost pages for pet sitters and dog walkers. Insureon says the figures are sourced from the median cost of policies for people in these jobs who apply for quotes with it, and the same pages also call them averages. A median means half of those policies cost more and half cost less, so it is a middle point, not a price you will be offered.
Is dog walker insurance cost different from pet sitter insurance cost?
Not in these sources. Insureon’s dog walking page lists the same six figures as its pet sitting page: $42 a month for general liability, $59 for a BOP, $102 for workers’ compensation, $88 for E&O, $129 for cyber and $245 for commercial auto. The dog walker page adds the dog breeds you work with and previous dog bite claims to the factors that move a price, so a real dog walking quote can differ from a pet sitting quote.
What affects pet sitter insurance cost?
Insureon lists the types of pet care services offered, the value of business equipment and property, annual revenue, location, the number of employees, and the insurance products bought with their limits and deductibles. For commercial auto it adds the number and value of vehicles and driver records. The tool does not work out how each factor changes a price; it compares amounts.
Why is a total of coverages not a bundle price?
Each row is one coverage on its own. The total in “More options” is a budget sum of separate medians, not a combined price. A BOP is itself a package, so ticking a BOP together with general liability counts liability twice in the sum. Ask a licensed insurer or agent for a package quote.
What do the revenue and employee boxes do?
They turn the budget into two ratios. With general liability and E&O ticked ($1,551 a year) and annual revenue of $40,000, the budget is 3.9% of revenue; with 1 employee it is $1,551 a year per employee. The ratios use only what you type and are not published benchmarks.
How are monthly and yearly figures shown?
Insureon publishes a monthly and a yearly figure for every row, and the table shows both as published. They are not exactly 12 times each other (general liability is $42 a month and $500 a year), so the tool does not recalculate them. A quote typed per month is multiplied by 12 before it is compared with the yearly figure.
Sources (checked 23 October 2026): Insureon, pet and dog sitting insurance cost; Insureon, dog walking insurance cost
Worked examples
| Input | Result |
|---|---|
| General liability | 2 coverage(s) added up from the published medians: $130 a month, $1,551 a year |
| General liability, quote $55 per month | Your quote of $55 a month ($660 a year) is 32% above the published median of $42 a month. |
| Business owner's policy (BOP), revenue $120,000 | 2 coverage(s) added up from the published medians: $130 a month, $1,551 a year |
| General liability, revenue $150,000 | 2 coverage(s) added up from the published medians: $101 a month, $1,204 a year |
Calculated by the tool above; open it with the same values to see each step.
Frequently asked questions
How much does pet sitter insurance cost?
In Insureon’s published medians, general liability is $42 a month, a BOP $59, workers’ compensation $102, E&O $88, cyber $129 and commercial auto $245. Real prices depend on your services, revenue, location and employees.
How much does dog walker insurance cost?
Insureon publishes the same six figures for dog walkers as for pet sitters, so general liability is $42 a month ($500 a year). Dog breeds and previous dog bite claims are named as extra factors on the dog walker page.
Is my general liability quote high or low?
The tool gives the gap against $42 a month as a percentage. A single median hides a wide spread, so compare limits ($1M per occurrence / $2M aggregate in the source) and the deductible too.
Why are these figures from 2025?
The source pages were updated on 3 July 2025 (pet sitters) and 15 July 2025 (dog walkers). This page shows exactly what they published and does not adjust the numbers.
Does the tool give quotes or share my details?
No. It does arithmetic on published figures and what you type, in your browser, and asks for no contact details.
Does the budget include every coverage a pet sitter needs?
No. The budget adds only the rows you tick. Which coverages you need depends on your services, clients and state, and the tool does not decide that.
Other published-cost pages for businesses and trades:
- Insurance cost by trade - every trade page in one list.
- General liability insurance cost - published liability figures for more business types.
- BOP insurance cost - the business owner’s policy row in more detail.
- Errors and omissions insurance cost - the E&O row in more detail.
- Workers comp insurance cost - published workers’ compensation figures.
- Lawn care business insurance cost - another outdoor service trade.
- Cleaning business insurance cost - another small service business.