What is Sitters Insurance?
Sitters insurance is a type of liability coverage designed for individuals who provide child care, pet sitting, or house sitting services. It helps protect sitters from potential claims that may arise while they are performing their duties, such as accidental property damage, bodily injury, or other unexpected events.
Who Needs Sitters Insurance?
This coverage is essential for anyone who offers sitting services professionally or even on a part-time basis. This includes:
- Childcare providers (in-home or traveling to clients’ homes)
- Pet sitters and dog walkers
- House sitters
- Nannies and babysitters
Whether you work independently or through a platform, having insurance can help reduce personal financial risk and build trust with clients.
What It Typically Covers
While coverage can vary by provider, sitters insurance often includes:
- General liability: Covers claims for third-party bodily injury or property damage.
- Professional liability: Also known as errors and omissions, this protects against claims of negligence or failure to provide expected services.
- Property damage: Coverage if the sitter accidentally damages a client’s property.
- Animal injuries: For pet sitters, this may include coverage if a pet is injured under their care.
Common Exclusions and Limitations
Like any insurance, sitter policies have exclusions. Common ones include:
- Intentional acts or criminal behavior
- Injury to the sitter themselves (usually covered by health or workers’ comp insurance)
- Use of personal vehicles (typically excluded unless added)
- Care for exotic or dangerous animals (for pet sitters)
Always review the policy details to understand what is and isn’t covered.
Factors That Influence Cost
The cost of sitters insurance depends on several factors, including:
- The type of services you offer (e.g., child vs. pet sitting)
- Whether you work full-time or part-time
- Your claims history
- The coverage limits and deductibles you choose
Some insurers also consider the location where services are provided.
Proof of Insurance & Compliance
Clients may ask for proof of insurance before hiring a sitter. This is typically provided as a certificate of insurance (COI). In some states or for certain services, coverage may be required by law or by agencies that place sitters. Even when not required, having insurance can demonstrate professionalism and help secure more jobs.
How to Get a Quote
Getting sitter insurance is simple. Answer a few questions about your services to receive a customized quote. Get a quote now.
Frequently Asked Questions
Do I need sitters insurance if I only work occasionally?
Yes, even occasional sitters can face liability risks. Insurance helps protect you from unexpected claims.
Is pet sitting covered under the same policy as babysitting?
Not always. Some policies cover both, but others may require separate coverage depending on the services offered.
Can I get insured if I work through an app or agency?
Yes, individual sitters can often get their own coverage even if they work through a third-party platform.
Does sitters insurance cover damage to my own property?
No, it typically covers liability for damage to others' property. Your personal belongings are not usually included.
How quickly can I get proof of insurance?
In most cases, a certificate of insurance is available soon after purchasing a policy—sometimes the same day.
Still have questions? Talk to a local insurance expert.