Frequently Asked Questions

What company is underwriting the policies?

The NAPPS Liability policy is underwritten by Century Surety Insurance Company.

Do I need to be a member of NAPPS to purchase a liability policy or dishonesty bond?

Yes, liability policies and bonds are designed especially for active members of NAPPS. If you are not an active member of NAPPS, your policy/bond becomes null and void.

What is Care, Custody or Control (CCC)?

Most general liability policies EXCLUDE coverage for damage to personal property in your care, custody or control. This means that ANY personal property, including a pet, that is physically within your care, custody or control, is excluded from coverage should that property be damaged or destroyed due to your negligence. The CCC is a mandatory coverage under the NAPPS Liability policy. The limit you choose will determine the amount of coverage you have for client's personal property and pets while in your care, custody or control.

What liability limits are available under this policy?

$1,000,000 per occurrence with a $2,000,000 aggregate. This is the only general liability limit available. Lower limits are not available because coverage is provided on a group policy for active NAPPS members.

Do your policies cover 'Pet Taxi' services (transporting pets in my personal vehicle) and if so, what exactly is covered?

Yes. The policy will extend to cover pets in your care, custody or control while in a vehicle.

Do I need a separate policy from the liability policy to protect me if I suffer bodily injury while pet sitting?

Yes, injuries to you or your employees or Independent Contractors are excluded under the NAPPS liability policies. You would need to purchase workers compensation coverage to cover these types of injuries. Examples of injuries include dog/animal bites, slip and falls, etc, incurred by you, your employee or IC while on the job.

What is the difference between the NAPPS Individual Liability Policy and the NAPPS Standard Liability Policy?

The NAPPS Individual policy is for businesses classified as a sole proprietorship. This policy is designed to insure an individual with no one working in the business but the individual owner and spouse, if applicable.

The NAPPS Standard policy is for all other businesses outside of sole proprietors/individuals. It covers Partnerships, Limited Liability Companies (LLCs), Corporations or S-Corporations and provides coverage for business owner, employees and Independent Contractors.

The primary difference is that the NAPPS Standard policy is designed to cover employees and Independent Contractors, while the NAPPS Individual policy does not.

What is Limited In Your Home Pet Care?

This endorsement provides coverage for pets you keep in your home or your employees or ICs homes. It also provides coverage for doggie daycare operations/boarding facilities on your premises.

What is Dishonesty Bond coverage?

Dishonesty Bond coverage protects you and your customers from loss as a result of theft committed by you or your employees. It includes these features:

• The definition of employee includes all owners and officers, full and-part time employees, independent contractors, and volunteers.

• You are covered up to the policy limit of liability for each loss occurrence. There is no aggregate limit of liability.

The bond will apply only after establishment of proof that the accused party has, in fact, committed a criminal act. After payment of the claim to the client up to the limit of the bond, the insurance company will seek restitution from the guilty party. To say to a client that you are bonded demonstrates the confidence you have in your company and your staff. Many business owners who have no staff also purchase a bond because the credential assists the client in feeling more comfortable allowing the trainer in their home to provide care for the pets.

What does the Pet Food/Treats Distributors & Manufacturers optional endorsement cover?

This endorsement provides product liability coverage for pet food/treats you make, manufacture, or distribute for others. A supplemental application is required, including a list of all ingredients and where you sell or distribute your products.

What does the Non-Owned Auto Insurance optional endorsement cover?

Non-Owned Auto Insurance covers Bodily Injury and Property Damage caused by non-owned vehicles (ex. employee- or independent contractor-owned or leased vehicle(s) driven on behalf of your business).

What does the Housesitting endorsement cover?

The housesitting endorsement provides coverage for house sitting when there are NO pets in the home. In otherwords you are housesitting in lieu of pet sitting.

When will my NAPPS policy become effective?

Since this is a group policy designed for active NAPPS members, all policies are effective the first of each month. We allow up to the 15th of each month to allow for applications/payment to be received. If received after the 15th day of the month, policy will be effective the following month.

Is there an age requirement on the policy?

You must be 18 yrs old or older to apply for the insurance or work in a petsitting business for the NAPPS policy to extend coverage.

Is there a deductible for the NAPPS liability policies?

Yes, a $100 per claim deductible applies to each claim submitted.

What does "minimum earned premium of 25%" mean?

This means if you cancel your policy for any reason in the first 3 months of your policy term, the insurance company will retain 25% of your annual premium and 100% of your annual policy fee.

Do you cover Vet Medical Expenses?

Vet Medical expenses are covered under the Care, Custody or Control limit you choose for your policy, ranging from $10,000-$200,000. Please note vet medical expenses are paid regardless of fault for injuries sustained to pets in your care. Please be aware that $10,000 may not be enough to cover some injuries to pets.

Do you offer pet groomers professional liability?

Yes, pet groomers professional coverage is added to all policies when the pet groomers coverage option is chosen/purchased.