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deirdrefaith | How much does it cost to become 'unsured and bonded' as a professional housesitter/petsitter? |
only curious
thx |
 |
 
Jason S
 |
The answer to this question is a little more complicated than just throwing out a number. Insurance and Bonds vary drastically in price from State to State. The type of Bond you're looking for is an Employee Dishonesty Bond which basically (after conviction of course) pays your client for stolen items to be replaced. This Bond generally costs somewhere between $125-$250 per year depending on the state and the Surety Company you go through. Check www.Westernsurety.com to find a local agent.
The type of Insurance you're looking for is called General Liability which pays for Damage to a client's property or for Bodily Injury to someone not employed by your company. This coverage would generally run somewhere in the $350-$500 range per year. Once again, this is mainly determined by the state you live/work in.
I hope this information helps you!
Jason S |
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Karrien Sim Peters
|
Nothing if the client is willing to pay that price. I would not invest unless they want you to be bonded. I would then tack that on as a one time charge on your initial visit. |
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wayfaroutthere
 |
"Insured" would probably be a small amount of money--I'm guessing less than $20 a month. You'd find out just by calling the same company that does your homeowner's insurance or car insurance (most do other types of insurance too, if yours doesn't, call another company).
"Bonded" requires more cash up front, but I'm not sure you'd need both, depending on your insurance. Bonded is where you have a large sum of money ($5000, $10000 -- the bond can be for any amount, really it's up to you and the person hiring you) that has been placed in a special account in case you screw up someone's house or pet, so that the customers have a guaranteed source of money to get the house fixed/pay the vet bill if you do a bad job for someone. Basically you pay the bonding company most or all of that amount so you have cash behind your guarantee. If you never have a problem, that money sits in an account earning interest for you, but you need to leave it there if you want to continue to be bonded. When you close your business, you get the bond money back if no customers made a claim on it.
I'd say you should get insurance (just so that a lawsuit doesn't cost you more than your business), but only to get bonded if your customers insist. |
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mbrcatz
 |
It's really hard to find someone to do a policy if you're doing dogs - last one I quoted was about $1500 a year for the dogs.
The "bonded" is VERY vague. If it's not a state required bond, it's going to depend on the type of bond and bond amount - which, btw, you'll likely have to guarantee personally. I'd expect it to cost $500. But "bonded" doesn't mean what most people think it means - it's not going to cover YOU if you steal a dog, or steal stuff from the house. It will cover EMPLOYEES, but only if you press charges. And YOU will have to pay the insurance company back. |
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ernesto_tig
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$20 a month? Good luck getting an insurance agent to return you phone calls for that much.
I've not heard of house-sitting/pet-sitting professional GL insurance being offered through any preferred carriers. If there is no preferred market then coverage is going to run $1000 year or more. Bonding would probably be the same issue. Also factor in your credit rating with bonding, unless you post the full amount.
Any non-traditional occupation is going to be a difficult insurance cover. Good luck. |
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