Dog Walking Insurance in Canada – 15 Crucial Things Every Dog Walker Must Know

Understanding the Dog Walking Industry in Canada

In recent years, dog walking has transformed from a casual gig into a booming pet care profession in Canada. With over 7.9 million dogs owned nationwide, the need for reliable, professional dog walkers is stronger than ever.

As urban lifestyles grow busier, more pet owners turn to trained dog walkers for daily exercise and companionship. Cities like Toronto, Vancouver, and Montreal have seen a sharp rise in registered dog walking businesses. But this booming industry also brings legal, financial, and operational responsibilities that can’t be ignored.

One key area often overlooked by new entrants? Insurance. In a country known for its litigious nature and strict animal welfare laws, operating without insurance is a risk no dog walker should take.

Please keep in mind that this list is not exhaustive and there may be errors. I have tried my best to outline the ins-and-outs of pet care insurance and have used AI to help - however, there may be errors. Always consult licensed brokers in your area if you have any questions.

What Is Dog Walker Insurance?

Dog walker insurance is a specialized type of business insurance designed to protect pet professionals who care for other people’s animals. It covers potential liabilities like injuries to dogs, damage to client property, and legal fees in case of disputes.

Many assume their homeowner's or renters’ insurance will cover business-related incidents—it won't. That’s why this insurance is tailor-made for the unique risks of dog walking.

Why Dog Walking Insurance is Essential in Canada

Here are the top reasons dog walking insurance isn't just a "nice to have"—it's a must-have:

• Legal Protection: If a dog under your care bites someone, you could be sued for medical costs and damages.

• Property Damage: Imagine a dog breaks a client's antique vase during pickup—you're responsible.

• Client Trust: Insured dog walkers are more professional and attract serious pet owners.

• Emergency Vet Costs: If a dog gets hurt, insurance can cover those emergency vet visits.

• Peace of Mind: With coverage, you can walk dogs confidently, knowing you're protected.

Types of Dog Walker Insurance Available

Dog walking insurance in Canada isn't one-size-fits-all. Here are the most relevant types:

• General Liability Insurance: Covers injuries and property damage caused during service.

• Professional Liability (Errors and Omissions): Protects you if you’re accused of negligence or mistake.

• Commercial Auto Insurance: If you transport dogs in your vehicle, this is essential.

• Care, Custody, and Control (CCC): Covers animals in your direct supervision.

• Equipment Insurance: Protects leashes, crates, and other tools.

What Does Dog Walking Insurance Cover?

Here's a detailed look at what’s typically covered:

• Bodily Injury: Injuries caused by the dog or to the dog

• Property Damage; Items broken during a visit

• Legal Costs: Lawsuit defense and settlements

• Vet Bills: Emergency treatments for the dog

• Lost Keys: If you misplace a client’s house key

What’s Not Covered by Dog Walking Insurance?

While insurance is powerful, it doesn’t cover everything:

• Intentional Harm or Abuse

• Dogs with Pre-existing Conditions

• Unlicensed Activities

• Your Personal Belongings

• Illegal Business Practices

Always read the policy's fine print and consult a broker to make sure that you are selecting the plan that is best for you and your business.

How Much Does Dog Walker Insurance Cost in Canada?

Costs can vary anywhere from $250 - $1200+ per year.

Factors influencing cost:

• Number of dogs walked at one time/per day

• Province or city

• Type of services (solo walks, group walks)

• Experience and claims history

• Pet first aid certification

Top Dog Walking Insurance Providers in Canada

Here are some trusted providers offering competitive policies:

• PROfur Insurance (Ontario) - this is the one that I use

• Zensurance

• Verge Insurance

• TD Insurance

• TruShield Insurance

How to Choose the Right Insurance Policy

Selecting the right dog walker insurance policy in Canada can be tricky if you don't know what to look for. Here's a checklist to help:

✅ Essential Features to Look For:

• Coverage Limits: Aim for at least $1M in liability.

• Care, Custody & Control: Ensures the pets themselves are covered.

• Legal Defense Costs: Included in or in addition to liability.

• Flexibility: Monthly vs. annual payments, customizable plans.

• Mobile Coverage: Especially if you work in different locations.

🚫 Red Flags to Watch Out For:

• Extremely low premiums with vague coverage.

• Policies that exclude dogs over a certain size or breed.

• Lack of local customer service.

• No transparency about claims processes.

Always compare quotes from at least 3 providers and read reviews from other pet professionals in your province.

How to Get Insured as a Dog Walker

Ready to get protected? Here’s a step-by-step guide:

1. Identify Your Business Type
   Sole proprietor? LLC? Incorporated? This affects your liability.

2. List Your Services
   Include dog walking, feeding, administering meds, and any transport.

3. Request Quotes
   Use online comparison tools or speak to a broker.

4. Provide Documents
   You may need a business license depending on your location, service contract, or first aid certification (you may be able to get a discounted rate with a pet first aid certification)

5. Select and Purchase Policy
   Opt for digital policies with easy renewals.

6. Maintain Records
   Keep all correspondence, policy numbers, and proof of insurance.

Legal Requirements for Dog Walkers in Canada

Each province may have its own rules for dog walkers. Here are a few general and province-specific guidelines:

• Ontario: Must comply with local bylaws—leash laws and number of dogs allowed per walker.

• British Columbia: Some municipalities like Vancouver require a business license and proof of insurance.

• Quebec: Walkers are expected to adhere to provincial animal protection laws.

• Alberta: Edmonton restricts off-leash walks unless in a designated area.

Always check with your city hall or provincial government site for up-to-date rules.

Additional Insurance Options for Pet Professionals

If you’re expanding your services, consider:

• Bonding Insurance: Covers theft or intentional damage caused by you or your staff.

• Umbrella Policy: Extra layer of liability beyond basic limits.

• Workers’ Compensation: If you employ staff.

• Cyber Liability: For businesses that store client data online.

These policies enhance your reputation and overall business resilience.

Real-Life Cases Where Dog Walking Insurance Helped

🐾 Case Study #1: Vancouver Slip & Fall

A client slipped on a wet floor after their dog was returned from a rainy walk. The dog walker was found partially liable. Insurance covered legal fees and a $7,500 settlement.

🐾 Case Study #2: Sudden Dog Illness in Calgary

A Golden Retriever had a seizure during a group walk. Emergency vet care cost $1,200. The dog walker’s insurance reimbursed the full amount.

🐾 Case Study #3: Lost Keys Incident in Toronto

The walker accidentally dropped the keys to a client's home. Re-keying and locksmith charges were covered under lost key coverage.

Common Mistakes Dog Walkers Make Without Insurance

1. Relying on verbal agreements – Always use a contract.

2. Assuming homeowner’s insurance covers business risks – It doesn’t.

3. Not disclosing breed types – Can void a claim.

4. Neglecting incident reports – Documentation matters.

5. Failing to update coverage as business grows – Review policies yearly.

Avoid these pitfalls by staying proactive and insured.

FAQs About Dog Walking Insurance in Canada

Q1: Is dog walker insurance mandatory in Canada?
No, but it's highly recommended. Some cities require proof of insurance to get a dog walking license.

Q2: What’s the difference between liability and bonding insurance?
Liability covers accidents and injuries; bonding covers theft or dishonesty.

Q3: Can I get insurance if I’m a part-time dog walker?
Yes! Many providers offer part-time policies at lower premiums.

Q4: Does insurance cover dogs that escape during a walk?
This will be specific to your individual policy. Make sure to inquire about this when you are obtaining your quotes from different insurance carriers. The brokers should be able to detail exactly what is covered by each policy option.

Q5: How quickly can I get covered?
Some providers offer instant digital coverage within 24 hours.

Q6: Can I cancel my policy anytime?
Typically, yes—but check for cancellation fees or refund policies with your chosen insurance as this will likely vary by company.

Conclusion: Protecting Your Business and Peace of Mind

Dog walking is more than just a stroll in the park—it’s a professional service that carries real responsibilities. With proper dog walker insurance in Canada, you’re not just protecting yourself—you’re building a trustworthy, resilient business. By understanding your risks, choosing the right coverage, and staying compliant with legal requirements, you’re paving the way for long-term success. Don't wait for an incident to remind you of the value of insurance—get covered today and walk confidently into the future.

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