COVERAGE LIMITS OF LIABILITY

Here is the link to the coverage details: https:petcareins.com/

Coverages that come with every policy:

General Liability Aggregate Limit: $2,000,000

The most your policy will pay for bodily injury and property damage claims occurring in the policy’s term that you become legally obligated to pay due to your business services.

Products-Completed Operations Aggregate Limit: $2,000,000

The maximum amount your policy will pay for bodily injury and property damage claims occurring in the policy’s term that result from the products you use to perform your services.

General Liability Each Occurrence Limit: $1,000,000

The maximum amount your policy will pay for bodily injury and property damage claims for each individual incident.

Personal and Advertising Injury: $1,000,000

This coverage helps protect you from claims against your business, like infringed copyrights or reputational harm.

Damage to Premises Rented to You Limit: $100,000

Applies to fire damage to the structure of a premises rented to you, for the sole purpose of operating your business.

Medical Expense Limit: $5,000

General liability coverage that pays for medical expenses to others regardless of who is at fault for causing the injury.

Pet Protection Coverage (Animal Bailee): $2,500 per occurrence/$5,000 aggregate 

Provides pet businesses with coverage if they are legally liable for injuries or damages sustained by an animal in their care, custody, or control.

Vet Bill Reimbursement: $1K Per Occurrence $2.5K Aggregate

This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in insured’s care, custody, or control. For example, a pet comes in sick and you take it to the vet.

Lost Key Coverage limit: $2,000

If the insured lost the keys to a client’s residence, this coverage could help manage the cost of installing new locks or rekeying the building.

Optional add-on coverages:

Animal Bailee options available:

$5,000 per occurrence $10,000 aggregate: +$24.00/year ($1.99 / month)
$10,000 per occurrence/$20,000 aggregate: +$50.00/year ($4.17 / month)
$15,000 per occurrence/$30,000 aggregate: +$100.00/year ($8.33 / month)

Vet Bill Reimbursement options available:

$1K Per Occurrence $5K Aggregate: +$48.00 /year
Deductible: $250

Equipment and Inventory coverage options (inland marine or IM):

$2,000 per occurrence/ $4,000 aggregate: +$4.08 / month
$5,000 per occurrence/ $10,000 aggregate: +$5.75 / month
$10,000 per occurrence/ $50,000 aggregate: +$22.42 / month

Equipment and Inventory Coverage Deductible: $250

Broadened Property Damage Coverage/Broadened (Optional): $10,000 per incident/ $25,000 per year - $2.42 / month

This is an additional coverage that can help you pay for damages done to a client’s property while caring for their pet.

Does Broadened Property Damage Coverage insure my property?

Broadened Property Damage Coverage does not insure your property. It is not considered comprehensive coverage. It is designed to insure the person property of an insured.

Cyber Liability Coverage (Optional): $100,000 - +$79.00/year ($6.58 / month)

This covers expenses stemming from a cyber-attack or data breach.

ADD W-2 EMPLOYEES AND INDEPENDENT CONTRACTORS (1099) options:

If you have W-2 employees or contracted workers, they can be added to your policy for an additional fee.

Employee: +$25.00 / year ($2.08 / month)
Independent Contractor: +$50.00 / year ($4.17 / month)

A fee is required for each new worker to be added and insured under your Pet Care policy.

I have some minimal requirements I need to obtain.

Please list what your minimal requirements are and I will be happy to help analyze them.

What are my employees or contractors coverage?

The employee or independent contractor would have the same coverage limits. The only difference is they wouldn't have access to make changes to the policy or call on behalf of the policy holder

Employee Dishonesty Coverage (Optional - $10,000 per incident / $25,000 per policy year): +$4.92 options:

This coverage protects the policy holder from financial losses resulting from fraudulent or dishonest of their employee activities. 
An employee would be a W-2 worker or Independent contractor compensated by you. They would also need to be added to the policy.
This coverage is unnecessary if you have no employees or contracted workers.

Does the Equipment and Inventory coverage insure trailers?

The Equipment and Inventory coverage is designed to insure trailers but not the liability of working out of them.

Does the PCI policy insure damage to household items?

By adding the Broadened Property Damage Coverage your policy extends to the personal property/household items of the client while in your care, custody, or control.

Does PCI cover veterinarian access?

The animal bailee helps our policy holders with 24/7 access to veterinarian assistance with covered claims. Animal Bailee provides pet businesses with coverage if they are legally liable for injuries or damages sustained by an animal in their care, custody, or control.

Can I increase my liability limits?

At this time we are not able to offer more coverage than our standard $1,000,000 per occurrence and $2,000,000 aggregate for the general liability coverage.

Coverages that PCI can provide

Does PCI insure boarding?

The PetCare Insurance policy can cover some levels of boarding with the tier 4 option ($120 added to the base policy option). This tier option allows for you to care for up to 10 pets at your location(s) during the day and up to 5 pets at your location(s) over night.

If I am boarding, do my pets count for the 5/10 pet limit?

Because your pets are not designed to be insured, your pets do not count towards to 5 & 10 pet limits for boarding. This means that you can board up to 5 pets over night and 10 pets during the day who are not your pets.

Does PCI insure my property?

PCI can only insure the property used in your business through the Equipment & Inventory Coverage. PCI does not offer coverage at this time for your real or personal equipment.

Does PCI provide coverage for the transportation of pets in a car?

If you are doing pet taxi/pet transport services, the proper level of coverage is with the tier 4 coverage. This is an additional $120 per year on top of the $154 per year cost of the policy (Monthly payment options available). If your business is not designed around pet transport but for something else (pet walking for example), but you are transporting the pet as part of that other service, tier 4 is not required, unless you are also doing another tier 4 operations (Pet daycare or pet training).

Covered territory

Where can this policy be used?

This Pet Care Insurance policy can be purchased in all 50 U.S. If you are based outside of the U.S., we recommend seeking a local insurance provider as this policy would not be able to insure you.

My business has a second location.

The policy is not location specific meaning that as long as you are in the US you will have coverage. Sometimes, it is required to add a landlord (if they ask to be). If they do require you to add them, they can be added as an additional insured. If you have workers, working at that second location, they can be added as either a contractor or employee but not as an additional insured.

Items or circumstances this policy is not designed to insure:

Operations that the policy is not designed to insure

• Any animals owned by the insured for breeding
• Any Breeding operations
• Housesitting operations (without pets present) that generate more than 45% of your annual revenues
• Kennel operations (a kennel or boarding service is defined as having more than 5 pets staying over on a single night)
• Landscaping services
• Livestock or farm animals
• Pet services or daycare operations of more than 10 pets at any one time
• Petcare for animals that are not common household pets (e.g. dogs, cats, birds, rodents and other animals owned for companionship and not for commercial reasons)
• Pet taxi operations of more than 5 pets at any one time
• Practice or participation in any athletic contest, exhibition, activity, game, or sport
• Professional veterinarian services
• Training operations of service, guard, protection, attack, or fighting dogs

Are there any breed restrictions for dogs?

There is not a restriction on this policy for animal breeds.

Can this policy insure farm animals or livestock?

This Pet Care policy is designed to insure household pets only.

Does PCI insure any agricultural operations?

PCI does not insure any farm or agricultural operations. We suggest trying a local agency.

Does PCI cover pet bakeries?

PCI is not designed for pet bakeries. We offer another policy called our FLIP policy which would be a great fit!

Does PCI insure therapy dogs?

PCI does not insure any sort of therapy dogs, service dogs, guard dogs, protection dogs, attack dogs, fighting dogs, or police dogs.

Does PCI insure photographers?

PCI does not insure Photographers. Please check out our other policy with Full Frame Insurance.

Does this policy cover boarding?

This policy is designed to insure the policyholder is watching pets at their location. The limit of pets being watched by all people listed on the policy at one time is 5 overnight and 10 during the day. If you are providing boarding, these same limits apply.

Does PCI insure attendant services for animals?

Our policy is designed to insure a pet care provider with liability insurance while they are caring for someone else's pet. If the pet is to perform or be a part of an activity while in the insured's care, custody, or control, this policy is not designed to respond to that sort of scenario.

Can I get this insurance for pets that I own?

Pet Care insurance is not designed to insure pets that you own. We have a partner that offers health insurance for your pets. Here is the link: https://www.petcareins.com/pet-health-insurance

How to know if your equipment is insured:

While we cannot say whether something is covered here because there needs to be an investigation by the claims adjuster, equipment insurance is designed to insure the equipment used in your business. A claims adjuster determines coverage of your gear after carefully examining your policy. We recommend that you read through your coverage to understand the policy, and if an incident has occurred, please file a claim.

If you are a pet care provider who owns equipment used for caring for other's pets, adding Pet Care Insurance's equipment insurance to your annual policy is necessary to protect the tools of your trade. While we do not offer an Equipment-only policy, we suggest that you check with a local insurance agent or agency for an Equipment-only policy.

Can I get a document to show the DMV?

Because this does not include auto insurance, we might not be able to provide a document that will satisfy your needs with the DMV. We recommend asking your agent who is over your automobile policy for your policy documents. Your Pet Care Insurance documents are located in your dashboard in the "download documents" section.

Can I get Automobile (auto or car) liability Insurance?

This policy does not offer car/auto insurance. We recommend that you search for a local insurance agency to find such a policy.

WHO IS AN INSURED

This article is what the policy states who an insured is.

1. If you are designated in the Declarations page of the policy as:

• An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner.
• A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business.
• A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers.
• An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders.
• A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees.

What coverages or policies can I get outside of the Pet Care Insurance website?

This article goes over what coverages/policies we can provide and coverages and policies that will need to be purchased outside of Pet Care Insurance and it's partners.

Coverages and policy that our partners and us can provide:

Can you provide workers comp?

Workers Compensation can now be applied for from your online dashboard by logging in and clicking the "Workers Compensation Insurance Application". This will take you to our partner Harford's online quoting page. Once the form is filled out and submitted, an agent from Hartford will reach out within 24 business hours to provide a quote, and, if you wish to proceed, will bind the coverage and process the payment during the call.

Workers comp is designed to insure the W-2 workers of your policy in case they become sick or injured while on the job. Different events or landlords may require this. It could sometimes be extended to your 1099 employees, but this is rare. Your business must have at least one part-time W-2 employee to qualify for the policy.

Coverages and policies that our partners and us cannot provide:

Is excess or umbrella available with Pet Care insurance?

First, it is appropriate to quickly review what excess and umbrella insurance are. They both do the same thing by increasing the liability coverage the policy has. For example, if you purchased a policy with one million dollars per occurrence and two million dollars in aggregate but needed to increase one or both of those limits, an excess/umbrella policy would be the best option. The only difference between the two policies is that excess keeps all of the same policy terms as the main policy has, while the terms are slightly different from the umbrella policy. 

At this time, we do not offer excess or umbrella options at this time. If needed, try reaching out to a local agency to see if they would be able to offer additional coverage on top of this policy.

Can I add a bond to my policy?

This policy does not offer or provide bonds. However, we do have the Employee Dishonesty Coverage (Optional - $10,000 per incident / $25,000 per policy year): +$4.92. This coverage protects the business owner from financial losses from fraudulent or dishonest employee activities.

New customers

Pet Care Insurance (PCI) is an online insurance provider designed specifically to insure individuals or businesses that provide pet care services. The Annual policy starts at just $139 a year. It is designed to cover pet sitting, walking, grooming, training, and more all in one plan! We've helped thousands of business owners protect their businesses from the cost of claims. Once you purchase your Pet Care Insurance policy through this website, it will become active on the date you select during the application process. After your payment is verified, the policy documents will be automatically emailed to you. You'll be able to access your Pet Care user portal, view and print your insurance certificate and documents, add additional insureds and manage your account online 24/7.

What rating does your insurance company have?

We offer low-cost insurance plans through our partnered carrier, Lloyds of London which is an A -rated insurance provider known for their financial stability and excellent customer service. Lloyds of London started over a third of a millennia ago (yes that is over 333 years ago)!

What type of policy is this...claims made or occurrence form?

Pet Care Insurance is a claims-made policy managed by Veracity Insurance. Under the “claims-made” policy, it covers you for a covered claim provided it meets two criteria:

1. You are insured when the claim is made. If you no longer need coverage, you can purchase a “tail” to protect you for the past.
2. You have continually renewed the policy from the time the incident occurred until the time the claim is made.

Who does this insurance cover?

This Pet Care liability policy can insure pet sitters, pet trainers, pooper scoopers, pet groomers, pet daycare services, pet transporters (pet taxi), pet kennels and boarders (no more than 10 pets at a time and no more than 5 overnight).

What do we do with your email?

We may keep the emails you send to us. If you would like to receive e-mail messages from us, we will keep the information you give us so we can send emails of specific interest to you. Please be careful about the information you give us in an email. As with any public website, this communication may not be secure.

If you have completed an application, you will agree to our email/phone use statement. If you have filled out the first step of an application, provided Pet Care Insurance with your email, and did not complete the application, we may send you a single email reminding you of your unfinished application. You may unsubscribe from newsletters & miscellaneous marketing emails by clicking the "unsubscribe" link at the bottom of the email.

Contact information

Phones - We can be reached in a variety of ways. For things that require a lot of explanation, we offer our phone services. They are here Monday-Friday from 6 AM to 6 PM MST. Here is the phone number 844-520-6990. 

Chats - The chat feature is currently being used. The chat We offer 24/7 access to our chat feature. If this automated chat feature cannot resolve your question(s), it will pass you to a live agent during business hours (Monday to Friday, 6 AM to 6 PM MST). We will reply during the next business day if it is after hours.

Email - For all changes to the policy or for things that are not urgent, sending an email will be the smart way to communicate. Please allow one business day for a reply from one of our email agents. 

Business hours

Our business hours are 6 AM to 6 PM MST. During business hours, we will respond to emails, phone calls, and will have a live chat agent available to chat in the occasion when the chatbot is unable to answer a question.

Manage your online account and policy documents

Do I have an online account?

With this online policy, an online account is automatically created for our policy holders once a policy has been purchased to allow them to manage their policy and access their documents. The login button is located in the top right corner of the Pet Care Insurance webpage, or you may click here: Login

How do I log in to my account?

To log in to your account:

1. Click on the Login button located in the top right corner of the Pet Care Insurance webpage.
2. Enter your email address used to purchase the policy. Login

How do you set up a log in?

As a new customer, in the application there is a section where you are able to set up your own password or not. After the policy is purchased, you will be prompted to confirm your email. Once you confirm the email, it will log you into your dashboard.

Is my policy still active/in effect?

To see if your policy is still active/in effect, please go to your dashboard and click the "my policies" button. There you can see details about your policy's effective and expiration dates.

I just moved from one state to another.

If you have not already provided us the following information, please reply to this email with the following:

• Your policy number
• Your new address.

One of our agents will follow up with your email within 3 business days.

What is a magic link?

The magic link used to be used for you to log in with a link that is generated and sent to your email. This is no longer a system that we use.

If you are not getting the prompt to log in with your email, please select "forgot password" and then enter your email and send. Once you receive the email, you are able to click the link and create a new password.

How do I Reset my password?

If you did not set up a password or need to reset your password:

1. Click on Forgot Password.
2. Enter your email address and a code will be emailed to you.
3. Enter the code on the log in and create a new password. *The new password must have at least 8 characters*

Locked accounts

Accounts can be locked because of attempting too many times with a wrong password or because something was off in your account, causing the system or an agent to lock the account. Regardless of the issue, an agent will need to help you. An agent will reply to this email within 3 business days. If you need help sooner than that, please give us a call during normal business hours: (844)520-6990.

How do I view and download my proof of insurance, insurance cards, COI's and receipts?

Your policy documents and receipts can be found on your dashboard under the "Download documents" section. Click on the document to download and/or print the document. For your receipts, please click the "My policies" button in the main page of the dashboard. From there go to the "Payment History" section and click the link labeled "Invoice."

Login

So, you want to get started with the purchase of your policy? Where to start.

Eligibility

A common question among potential policyholders is, "Am I eligible to get this policy?" Others ask, "What type of operations are insured under this policy?" To better understand the answer to these questions, we first need to know how an insurance policy like this one works. Many people think that the language of an insurance policy will specify every case where a policyholder would be covered. This is not the case. Listing every scenario where a claim could be made would be impossible. Instead, the language of a policy is much more broad.

A policy will identify a group of people whom the policy is designed to insure. For example, the group of people this policy is intended to insure are those in the pet care business industry. The policy will specify which operations are excluded or ineligible. A customer cannot purchase the policy if they provide the following services or products:

•Animals owned by the insured
•Breeding animals
•Housesitting operations (without pets present) that generate more than 45% of your sales
•Kennel operations (A kennel or boarding service is defined as having more than 5 pets staying over on a single night)
•Landscaping operations
•Livestock or farm animals
•More than 10 animals during the day max for daycare. More than 5 at night for daycare. More than 5 for pet taxi
•Providing training for any of the following dogs: service dogs, guard dogs, protection dogs, attack dogs, fighting dogs, police dogs
•Professional veterinarian services (this includes any medical, surgical, or dental services, x-rays, nursing services, treatment, advice or instruction)
•Petcare for animals that are not common household pets
•Household pets include domestic cat, dog, bird, rodent, or other legal household animals that are owned for companionship and not owned for commercial reasons
•Practicing for or participating in any athletic contest, exhibition, activity, game, or sport

Where can I get more information about what this policy is designed to insure?

The liability policy document is the best place to get information about the policy. We offer sample policies for both our annual and our event policies. We invite those interested in the policy to go over the policy and ask our agents if there are any questions. The website also contains information about the coverage details and helpful blogs.

Sample policy for Pet Care Insurance

Can a minor purchase this policy?

While a minor (someone under the agent of 18) cannot purchase this policy, they can be covered under a parent or guardian, or under someone else's policy if they are working for them. Once purchased by a parent of guardian, the spouse and all minor children will automatically be insured.

Do I need a business license to get a policy?

While we do not directly require any business licenses to get a policy, we do require that all policy holders follow local, state, and federal laws and regulations governing their business.

Do I need an Employer Identification Number (EIN)?

We do not require your Employer Identification Number (EIN) to get a policy. We do not have a place on your documents nor in the application to put it.

Can I use this policy to work as a contractor for another company (like Rover)?

While this policy can be used if you are working as a contractor for another company, we recommend discussing with them about their requirements before purchasing our policy.

Does this policy work if I am caring for pets online?

This policy is designed to insure those who provide covered pets services to animals in their care, custody, or control. Monitoring pets online is inline with this policy as long as some time is spent with the pet in person.

Do I need to have vaccine information on hand

Our policy requires that the insured always have vaccine information on hand as part of their business practice. The pets should be up to date on their vaccines according to local laws.

Where does my address need to be to get a policy and where can I use my policy?

As long as your address is within the United States, you can get a policy. This policy is not available for purchase anywhere outside of the US. Once purchased. This policy can be used anywhere in the US and Canada. This policy is not valid outside of the US and Canada.

What are some of the waiting periods regarding the policy?

• It takes 5-10 minutes to complete the online application and purchase the policy(order time).
• It takes less than 5 minutes to log in and access your policy documents or to make changes to your documents through your dashboard.
• Our Typical turnaround time for emails sent to us is about 1 business day (up to 3 business days).

How far out can I purchase the policy?

The Annual policy can be purchased within 3 months of the start date. We are making this policy available until the master policy is renewed (meaning up to two years).

How long does it take to get a refund?

Refunds typically take 7-10 business days, depending on how fast the bank processes the refund.

How long does it take to process a claim?

Claims take about 10 minutes to file initially. Please don't hesitate to ask if you need help filing a claim. From there, the claims adjuster will be assigned. The claims adjuster will reply within 3-5 business days. After they have replied, the completion time will vary on factors such as the amount of research needed to verify the claim, the time it takes to reply to the claims adjuster with the requested information, etc.

How long is this policy good for?

The Annual policy will insure you for one policy year (a full 365 days) starting from the date you choose for your policy to start.

What if I need coverage for only a week? What would be the best option for me?

We currently do not offer a short-term Pet Care insurance policy. We do, however, offer a monthly payment option.

Coverage periods

Does PCI offer a policy that covers for less than a year?

PCI offers an annual policy with monthly payment options. The monthly payment can be cancelled at any time through a written request via email. At this time we do not offer a short-term policy.

How to purchase Pet Care Insurance

How do I purchase the policy?

To purchase a Pet Care policy or to get a quote, click on any "Buy/Buy Now" button to get started.

1. Click on Buy Now or Get Protected Today. You will be directed to our online policy application form.
2. Fill out the application with your information and select any add-ons according to the coverage you would like to purchase.
3. At the end of the form, select purchase policy or view your quote.

*On the application, the Policy Holder Information will be your information or the name of the individual/business that needs to be insured.*

 Buy Now

Do I need to have a business?

This policy can insure an Individual/Sole proprietor, LLC, Corporation, and/or Partnership/Joint venture. If you do not have a registered business, your business type would be an Individual/sole proprietor. If you change the structure or business type of your business after the policy has been purchased, an agent may update that for you by replying to this email.

Where do I sign up at?

To purchase a Pet Care policy or to get a quote, click on any "Buy/Buy Now" button to get started.

1. Click on Buy Now or Get Protected Today. You will be directed to our online policy application form.
2. Fill out the application with your information and select any add-ons according to the coverage you would like to purchase.
3. At the end of the form, select purchase policy or view your quote.

 Buy Now

Can I have multiple businesses on my policy?

This policy is designed to insure one business that you own. If you are working at other business locations (but you do not own those locations), they can be added on as an additional insured. One policy cannot insure multiple businesses that you own; multiple policies would be needed if you own multiple businesses.  

Pricing/payment information

How much does the policy cost?

The Annual policy starts at $154 / year or $14.58 / month. To see the cost information before the purchase, please fill out the application up to the point where the policy is purchased. The application doubles as a calculator. To start the application, click the "Buy" button anywhere on the website. *Pricing may increase depending on taxes and fees and any additional add-ons selected on the application or any time after purchase. After the policy has been purchased, you will be able to see the payment history, added coverage pricing, and access to download an invoice/receipt. This information is found in the "My policies" section of your dashboard.

How much is dog training insurance? 

Our basic dog training liability insurance policy starts at $26.10/month. From there, you can choose other options to add on at an additional premium. Two popular add-on options include:

• Employee dishonesty coverage: This is similar coverage to bonding, and covers the loss or damage of property due to an employee’s theft.
• Tools and equipment coverage: This add-on to your base dog trainer insurance policy reimburses you for stolen or damaged tools and gear, such as leashes, crates, treats, or toys.

How much is dog walking insurance?

The base dog walkers insurance policy starts at  $154/year or $14.52 monthly. Your final premium depends on the coverage limits you select, the optional coverage you add to your policy, and your business’s gross income.

How much is pooper scooper insurance?

Pooper Scooper Insurance, which includes general liability starts at $154 per year or $14.58 a month. However, there are additional options that you may add to your policy for an additional premium. For example, one of these options is employee dishonesty coverage—a coverage similar to bonding. You can also purchase animal bailee insurance at an additional cost.

How much is pet and dog grooming insurance?

How much is pet sitting insurance?

Our Pet Sitter Insurance starts at just $22.92 per month or $254 per year, providing essential protection for your business. Our base policy is designed to cover the fundamental risks pet sitters face, but we also offer a range of optional coverages to customize your policy for optimal protection.

Is there a difference in price between the annual and monthly payment options?

The monthly payment option is about 7% more on average than it would be when paying upfront. Be sure to check out the application as it doubles as a payment calculator. 

How many months do I pay for on the monthly payment option?

The first month will be the policy's first and last (for the last month on the annual payment). After that there will be 10 more monthly payments. This allows you to pay for the first payment of the next policy period without having to pay for both the last month payment as well as the next year's payment at the same time.

Can I get a quote?

While we do not give quotes per se, our application doubles as a price calculator. To obtain a quote, please fill out the online application. An accurate quote will be provided on the final checkout page. If your application session times out, please restart the application or contact us for assistance.

Does PCI offer any discounts?

PCI does not offer any discounts at this time due to the policy already being at a discounted rate.

Is there student pricing?

At this time, the price for students is the same as the price for everyone else.

Can I get a quote sent to me via email?

Because this policy is purchased from our website and is customizable, we do not offer quotes at this time. The final price is calculated through the online website and will be based on these selections made in the application. This helps to ensure that your price is for the exact policy that your business needs. To get started, click the buy button.

Pro tip: The application can be filled out to get the final cost with your desired options. Once this price is shown, take a screenshot of your price with all of the options that were selected, and you will have essentially collected a quote.

How will I know what the final price is?

To simplify the process of determining the final price, we have designed a user-friendly application. The online application calculates the appropriate cost based on your selections. Our applications have proven to be efficient in providing an accurate price assessment. 

How do I know if the payment went through/if the policy has been purchased

A confirmation screen will appear upon submitting the online application, and a confirmation email containing your policy documents will be sent. You may also download your receipt showing the date and amount. When the policy is purchased, it creates an online account or dashboard. By going to this dashboard, you can download documents and make changes to your policy as needed.

Do you offer monthly payments with the annual policy?

Yes! We do have a monthly payment option for the annual policy. On the final checkout page you may toggle between the annual payment or monthly payment option.

The initial payment includes the first and last month's payment plus any fees and taxes. The taxes and fees may vary depending on your state and is calculated at the checkout section of your application. This allows you to enjoy the benefits of the policy with the convenience of monthly installments.

How much is the monthly billing?

The monthly billing starts at $14.58 a month and can go up based on added coverages, taxes/fees, and optional endorsements. The first payment will be higher than the remaining payments and accounts for the first and last month's bill, taxes/fees, and any added endorsements.

Can my price go up?

While we do not anticipate that the price will increase anytime soon, the price of a policy can increase from year to year as insurance companies adjust their rates to account for factors such as inflation, changes in risk factors, and overall market conditions. As these factors change over time, the policy's price may be adjusted at renewal. It is important to note that the price of a policy cannot increase during the policy period it covers. Adding additional coverages from your online account will increase your policy premium. 

Why did my price go up?

There can be various reasons for an increase in your policy cost. Rates may vary based on changes in coverage, underwriting guidelines, or regional factors affecting risk. Even without changes in your policy, annual revisions by the insurance company could lead to adjustments in premium rates.

Are policy holders notified if there is a price increase?

PCI sends our emails to all of our customers when there is a price increase that affects its customers. This notification is sent out within 30 days of the policy renewal. We have found that many times when this has been sent out, it ends up in a spam folder. If you have more question about a price increase, please allow up to 3 business days for us to respond to your email, or give a call or chat.

What types of payment do you accept?

We accept all major debit and credit cards with a valid U.S. billing address for all purchases made on our website. Please note that we do not accept any other forms of payment, including cash, PayPal, or payment information provided over the phone or email.

What safeguards are in place to protect my payment information?

Your payment information is securely processed through our third-party encrypted payment gateway called Authorize.net. Your sensitive data is protected to ensure a safe and secure transaction. For security reasons, we require a valid U.S. billing address to process your payment. Please ensure that the billing information matches the details associated with your card to avoid any delays or issues during checkout.

Once your payment is successfully processed, you will receive a confirmation email with the details of your purchase. If you encounter any problems or have inquiries regarding payment methods, feel free to contact our customer support team for assistance.

How do I view or add/change my payment information on my account?

To edit the payment option under your account:

1. Login to your dashboard (AKA your online account)
2. Click the “Payment Profiles” button under the “My Profile” section
3. Click on “Update” to add a different card to your account or to modify an existing card OR
   Click on “Add new card” if you would like to add a card to your account
4. Enter Card information
5. Click the Submit/Update button
   *If you have multiple cards on file, select "Add card to policy" for the card you wish the system to charge. You may also delete any cards on file that you no longer wish to use.

What is the UTA fee

The Universal Trade Alliance (UTA) is a rebrand that will help us be more compliant with the insurance industry's rules and mandates while also building something that can add value to our customers' experience with us. It gives our members more tools and resources to start, grow, and protect their businesses, so they can turn their passions into professions.

The main benefit of the UTA is the insurance we provide, but it also allows us to provide additional benefits like discounts on services. An additional benefits section on the customers' dashboard will have a PDF with benefits and discount codes exclusive to UTA members. Benefit features may not be up yet on the Dashboard. If you don't see it listed on the DB, it is not up yet or available.

The UTA fee is currently on ALL products. It has replaced the agency fee, or the RPG fee that used to be listed on the Declarations page (proof of insurance). It is not a new or additional fee.

Current Customers

Manage your online account and policy documents

Do I have an online account?

This online policy automatically creates an online account for our policy holders once a policy has been purchased. This online account allows them to manage their policy and access their documents. The login button is located in the top right corner of the Pet Care insurance webpage, or you may click here: Login

How do I log in to my account?

To log in to your account:

1. Click on the Login button located in the top right corner of the Pet Care insurance webpage.
2. Enter your email address used to purchase the policy.

Login

How do you set up a log in?

As a new customer, in the application there is a section where you are able to set up your own password or not. After the policy is purchased, you will be prompted to confirm your email. Once you confirm the email, it will log you into your dashboard.

What is a magic link?

The magic link used to be used for you to log in with a link that is generated and sent to your email. This is no longer a system that we use.

If you are not getting the prompt to log in with your email, please select "forgot password" and then enter your email and send. Once you receive the email, you are able to click the link and create a new password.

How to get a site seal/badge.

The site seal can be found in your dashboard using the "add site seal to your site" button in the main page of the dashboard. Choose the desired seal and either copy the link to be placed in your website or copy the image. 

The site seal/badge stopped working on my site.

We are sorry about that. If the site seal stopped working on your site, try getting one from your dashboard and trying again. If this does not work, please contact your website provider to get more options.

How do I Reset my password?

If you did not set up a password or need to reset your password:

1. Click on Forgot Password.
2. Enter your email address.
3. A link to reset will be sent.
4. The new password must have at least eight characters.

How to update your address, email address, DBA, phone number, or website on your policy.

1. Log in to your online account.
2. Once you are logged in, scroll down to the "My Profile" section on your Dashboard.
3. Look for the "Edit Personal Info" button and click on it.
4. Here, you can make changes to your first and last name, as well as your address.
5. After making the necessary edits, click the "Save" button to submit your changes.
6. The new information will automatically update on your account and policy documents.

*If you do not see the updates reflected on your documents, try refreshing the page and checking again.

I changed my personal/sole proprietor name, business name and type, how do I update that?

If you have an active policy, you cannot change your business name from your account. To update your business name and type (Sole proprietor/Individual, LLC, Corporation, or Partnership), we will need this request via email with the below information:

1. Your name
2. Policy number
3. New business information
4. An agent will update it for you.

If you have already sent this information in your email, please wait 3 business days for a response from us. If some of that information is lacking, please reply with the lacking information to ensure the process is not delayed. Please keep in mind that these policies are non-transferable. If you sold your business or the business ownership has changed, the new owner would need to purchase their own policy. The new business owner would fill out a new application on the website to purchase a policy. 

How do I change the date of my policy after I already purchased?

If a policy has been purchased, we will need an email request to change the start date. If already done, please allow 3 business days for us to respond. If the request has not been made, feel free to reply to this email to make your request.

If the policy is already in effect, the policy start date cannot be changed. The policy would need to be canceled and purchased new.

How to change my name on the policy.

To change your name, please reply to this email with the corrected name (if your have not done so already). Please allow 3 business days for us to complete your request.

How do I view and download my proof of insurance, insurance cards, COI's and receipts?

Your policy documents and receipts are on your dashboard under the "My Policies" button. For all documents other than your receipts, double-click on the document to download and/or print the document.

To download your receipts:

1. Login to your dashboard
2. Click the "My policies" button
3. Scroll down until you see the "Invoice" link near the bottom of the screen

For specific questions about your current or renewing policy, don't hesitate to get in touch with us by phone or chat.

How can I get hard copies of my insurance policy?

Pet Care Insurance is a paperless company. To get hard copies of your insurance policy, login to your dashboard and download your documents from the download documents section. From there they can be printed or emailed as needed.

How many workers do I have?

To see how many and which employees/independent contractors you have, login to your dashboard and click on the "my policies" button. Go down to the employees and independent contractors sections to see how many you have.

Where can I find my workers on my policy?

Your employees/independent contractors are located on page 3 of your proof of insurance document. Your proof of insurance document can be located in your dashboard in the download documents section.

Does PCI have a referral program?

PCI has a referral program that works on the additional insured level. Additional insureds can work with us to spread the word about each other. At this time we do have a referral program for our insureds.

Referral codes

The referral code involves our referral program. If an additional insured is asking you to get insurance and they give you a referral code, it can be placed in this box. If you do not have a referral code, that box can be left empty.

Information about the policy number

There are 2 parts to every policy number: the master policy number starts with "PL", and the certificate number starts with "PCI."  Your policy number will be listed in your online dashboard and on all of your policy documents except for the liability policy document. If you purchased a policy for more than 3 months out and your policy number is "TBA," we will be sending you a policy number at a later time.

What is an endorsement?

An endorsement is an add-on to your policy.  Often, this will be a requirement from a client or additional insured/certificate holder with whom you may do business. When adding an additional insured/Certificate holder, we use a standard ACORD form called a Certificate of Liability (COI) and an endorsement page that indicates what changes are being made to the policy because of the additional insured.

What are the endorsements that you offer?

Additional Insured/Certificate Holder endorsement options:

• Event/Show  (Designated Person or Organization (CG 20 26)) - The Landlord/Employer additional insured type is used when your landlord is requesting to be added to your policy. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law.  This option creates the additional insured document CG 2026.
• Retailer/Distributor/Vendor (Additional Insured Vendors (CG 20 15)) - This is an endorsement to the manufacturer’s or supplier’s commercial general liability policy, protecting you when selling or distributing items on behalf of a manufacturer, or sourced from a supplier, particularly when the supplier is providing goods manufactured offshore. The Insurance Services Office, which advises insurance companies, created the additional insured–vendors endorsement (CG 2015) which covers liability arising from the sale of a product. This endorsement creates a CG 2015.
• Landlord/Employer  (Designated Person or Organization (CG 20 26))  - This endorsement is designed to add the event or show your business is participating in. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law.  This option creates the additional insured document CG 2026.

How do I add an additional insured?

1. Login to your dashboard (ie your online account)
2. Click Add Additional Insured
3. Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners,
   Lessees, Contractors.
4. Fill in the Additional Insured name and address with the information of the person requesting the additional
   insured document
5. When the email box has been filled (optional), the additional insured document will be sent to that email
   immediately upon submission.
6. If the description of operations needs something in it, please reply to this email with the needed verbiage.

Watch this short How To video on how to add an Additional Insured from your online account.

How much does the additional insureds cost to add on?

Additional Insureds are $10 for unlimited for the the duration of the policy.

Important disclaimer for additional insured: An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level. An additional insured is not designed to:

1. Add members of your team
2. Contractors
3. Employees
4. Friends 
5. Family

Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level. Adding additional insureds is done to include landlords, venues, events, or any other entity that may be held liable for your operations while you are at their location. This addition requires you to conduct business with them. An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

What is an additional insured?

Adding additional insureds is done to include landlords, venues, events, or any other entity that may be held liable for your operations while you are at their location. This addition may require you to conduct business with them. An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

Can commissary kitchens be added as additional insureds?

Commissary kitchens can be added as additional insureds.

I need help changing an additional insured.

While additional insureds cannot be changed, new ones can be added on. Old ones can be removed within 30 days of the policy removal. There is not any adverse affect for having additional insureds on your policy that you no longer service.

How to add a second location to a policy.

Please note that this policy is not location specific. If you need to add a landlord or event to your policy, please add them by adding an additional insured: 

1. Login to your dashboard (ie your online account)
2. Click Add Additional Insured
3. Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners,
   Lessees, Contractors.
4. Fill in the Additional Insured name and address with the information of the person requesting the additional
   insured document
5. When the email box has been filled (optional), the additional insured document will be sent to that email
   immediately upon submission.
6. If the description of operations needs something in it, please reply to this email with a sample document and/or the required verbiage.

Other names additional insureds go by:

• Certificates of insurance (COI)
• Acord forms
• Certificate
• Certificate holder

Here is a sample of the Certificate (COI) that is provided once an Additional Insured is added. Pet Care Sample policy

After I have added an additional insured, how do I get a copy of my additional insured document?

To obtain a Certificate of liability (COI) please add an Additional Insured. Once added, a certificate of liability (COI) will generate on your online account and also be emailed to the email provided.

How do I add new additional insureds during the application process?

The additional insured can be added during the application process. Once the policy has been purchased, the additional insured can be retrieved in the online account/dashboard.

What is not an additional insured?

An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

What is the "description of operations?"

The description of operations enables you to add more information about the additional insured that cannot fit under the "certificate holders" box. For example, multiple other additional insureds, event dates, or other information regarding the event or landlord.

How do I add verbiage/text in the description of operations?

Occasionally, additional verbiage is requested by the certificate holder to be added to the description of operations section of the certificate of insurance (COI). When this is the case, please add the Additional Insured first (by logging in to your dashboard and clicking the "add additional insured" button) and then reply to this email.

What verbiage/information should be placed in the description of operations?

The certificate holder will be the one requesting if there should be anything added to the description of operations. If they are requesting to have something added to the description of operations, please add them as an additional insured and reply to this email.

The event wants the description of operations to be written specifically how they want it. Is this possible?

Depending on the verbiage the event wants on the certificate, we may or may not be able to add it. Please send us an example of what they are requesting by replying to this email if you have not already added the verbiage already.

How do I edit my certificates?

To edit your certificates, please reply to this email with the following information:

• Your policy number. It will start with "PCI"
• The Additional Insured name on the certificate that needs to be changed
• An explanation of the changes that need to be made

If you have already sent in the above information, please allow 3 business days for us to respond. If there is a need to remove an additional insured from a renewing policy, it can be done by simply logging into the policy and clicking on the update button. I would like to acknowledge that this action must be taken within 30 days of the policy's renewal date.

Can additional insureds be removed?

Additional insureds can only be removed when the policy is renewed. Once an additional insured has been added, they become a part of the policy they were added to. However, in the case of a policy that is being automatically renewed, these additional insureds are automatically included in the new policy.

I need to cancel one of my additional insureds.

If you need to cancel one of your additional insureds, this can be done in your dashboard within 30 days of the renewal. Additional insureds are meant to stay on your policy. 

Why does my personal/home address show on my COI instead of my business address?

The policy is not location specific so only your physical street address will show on your policy documents and COI's. If you want your business address to show instead, you may edit that from your online account.

How to add on the pet training coverage.

To add the pet training coverage, login to your account and click on the "change policy options" button. From there choose "add-ons" and then "pet training" If the difference needs to be paid, it will take you through the payment process.

Who can be added as an employee/independent contractor?

W2 employees and 1099 independent contractors may be added to the policy. Spouses and minors who live in the home would not need to be added as they would be automatically insured. It is $25 to add a W2 employee, $50 to add a 1099 independent contractor. 

How to add employees/independent contractors?

To add employees/independent contractors:

1. Log into the dashboard online
2. Click on Add Employee/Independent Contractor
3. Click on the Add button
4. Fill in their name
5. Click on Continue
6. Submit payment (It is $25 to add a W2 employee, $50 to add a 1099 independent contractor. )

Can employees/independent contractors be added for just a few months?

Once added, employees/independent contractors will remain on the policy for the remainder of the policy period. If your policy only has a few months left then they would only be on there for a few months.

How to remove/delete employees/independent contractors?

To remove employees/independent contractors please reply back to this email with your request if you have not done so already. Please allow up to 3 business days for one of our agents to remove them. Once that has been completed an email may be sent for confirmation that it has been done. 

Which Endorsements can be added after purchase for an Additional Insured/Certificate holder?

There are multiple endorsements that can be added to the additional insured endorsements at an additional cost. Here is a list of those endorsements, along with their additional costs:

The Primary Noncontributory endorsement (CG 20 01) costs an additional $20. The “primary and noncontributory” wording your insurance must pay first (primary) without seeking the additional insured's liability insurance to pay (noncontributory). In short; if there was a claim where both the insured and additional insured parties were involved, this policy would pay first. If the payout were to reach this policy's limits, the additional insured's policy would begin to pay.

The Waiver of Subrogation (CG 24 04) is an additional $20. A waiver of subrogation is a contractual provision whereby you waive the right of your insurance carrier to seek redress or seek compensation for losses from a negligent third party (additional insured).

A Loss Payee (Rented Equipment Excluded) is an additional $25. A lenders loss payable endorsement is a commercial property policy endorsement that gives a creditor of the insured that has loaned money in connection with the insured's personal property the same rights and duties that a mortgage clause gives a mortgagee.

How do I add a primary noncontributory, loss payee, or waiver of subrogation endorsement?

1. Please log in to your account.
2. If you have not already done so, add the additional insured.
3. Click on the "My Policy" button.
4. Then, click on the "Add Endorsement" button.
5. Select the endorsement you desire.
6. Fill out the required form.
7. After submitting, one of our agents will review and approve the endorsement. We will then send you an email stating that you can purchase the endorsement. Please log in again and make the payment for the endorsement.

These endorsements may be added to your policy on the application or any time after purchase from your online account.

To obtain the Cyber liability endorsement, it is an additional $79. Cyber insurance is designed to protect the policy holder's company from:

• Data Breaches
• Malicious codes on your computer systems
• Unauthorized access to your - *computer system
• Ransomware
• Extortion Threats
• Fund Transfer Fraud

Professional liability insurance, also called errors and omissions insurance (E&O) or indemnity insurance, protects the policyholder's business if sued for negligence in performing professional services, even if a mistake has not been made. We currently do not offer professional liability with this policy. Please check with a local insurance agent or agency for that type of coverage.

How can I add the cyber liability coverage to my policy?

1. Login to dashboard.
2. Click the "Change policy options" button.
3. Select the amount of professional liability coverage needed.

Endorsements that cannot be added.

Liability waiver forms

At this time we are unable to provide a liability waiver form because that is a legal document.

A liability waiver form, also known as a release of liability or liability release, is a legal document where a person agrees to release another party from liability for any damages or injuries that may occur during a specific activity or event. These forms are commonly used to protect businesses and organizations from potential lawsuits when participants engage in activities with inherent risks. 

Hold harmless agreement

At this time we are unable to add a hold harmless agreement because that is a legal document.

A hold harmless agreement, also known as an indemnity agreement, is a contract that protects one party from liability, claims, or damages related to a specific activity or transaction. It essentially means one party agrees to release the other party from responsibility for certain risks. This agreement can be unilateral, where only one party is protected, or reciprocal, where both parties waive liability against each other. 

What are some endorsements or other policies that cannot be added through this website but are an option through some of the partners of this brokerage?

Workers compensation (AKA Workers comp or simply WC)

Workers comp is designed to insure the W-2 workers of your policy in case they become sick or injured while on the job. Different events or landlords may require this. It could sometimes be extended to your 1099 employees, but this is rare. Your business must have at least one part-time W-2 employee to qualify for the policy. To get started, here is the link to the Workers' Compensation application: https://app.insurancecanopy.com/application/workerscompensation. One of our partnering agents will get back to you within 3 business days (usually sooner) with a quote. Because the price of the policy varies, we are not able to offer a price range for the policy.

Billing questions

Will my price remain the same when I go to renew?

There is a possibility that the price might go when renewing the policy due to changes in coverage during the current policy period, endorsements that have been added, or on some occasions, a price increase. To see what the renewing price will be, login to your account within 30 days of the renewal.

How to change the price of the policy.

The price of the policy is adjusted when added coverage, endorsements, or for things like income, state of residence, etc. Likewise, when renewing the policy, if options are removed, the price can be reduced.

How to pay for the policy.

To pay for the policy once it is being purchased, simply go to the buy button to get started with the application. Once there, you can pay for your policy. If you already have a policy, the annual payment will be collected automatically (this can be opted out of if needed). If on a monthly payment plan, the payments will be collected automatically. If for some reason a payment has been missed, try going to your dashboard to fix this. If unable to find the solution, please give us a call.

How do I lower my income level?

Your income level can be lowered in your dashboard. This is done within 30 days of the policy renewal. There will be a temporary button in your dashboard during that time that will alloy you to make changes to your renewing policy.

Why did you just charge me?

There are multiple reasons why we charge our customers. Most policies are set to renew as their old policy expires. Other policies are charged on a monthly basis when they are set up on monthly billing. We charge policies when an endorsement or additional coverage is added to the policy. To get a specific reason why your policy was charged, please see your dashboard by logging in. Please reach out to us if further assistance is needed.

Monthly billing

How do I put my account on autopay?

When signing up for the monthly payment option, the billing will automatically be set on autopay. Also, when signing up for the annual policy, autopay is set up automatically for you convenience and can be removed at any time from the annual payment option.

Can I pay off the remainder of my monthly bills in full?

At this time we do not have a way for our insureds to pay for the remainder of their monthly bills in full. The annual payment option can be chosen when renewing the policy.

Renewal questions

I want to renew my policy.

Here is how to renew your policy:

1. Log in to your online account
2. Click on the "Add a policy" button.
3. Fill out the application.
4. The application will fill in your personal information. 
5. Additional Insureds would need to be re-added if needed.

Is my policy going to renew?

When you purchase an Annual policy, you are automatically enrolled in the auto-renew option or EZ-Renew.  If you want to turn off the auto-renewal option, that can be done any time after purchase by:

1. Login into your Dashboard
2. Click the :My Policies" button
3. Cancel EZ-Renew.

How do I make changes to my renewing policy?

Your policy can be renewed 30 days before its expiration date. During the 30-day period, an "Update Renewing policy" button will appear at the top of your Dashboard. Click on the button to edit your renewing policy.

Can I renew my policy early?

Yes, you may renew your Annual policy early. Here's how to do that:
1. Turn off the EZ Renew under "My Policies."
2. Go back to your Dashboard and click on "Renew policy" or "Add Policy". 
The process to early renew is the same as manually renewing the policy. Proceed through the application and submit your payment.
3. Your renewed policy documents will be emailed to you and also available from your Dashboard.

How do I renew/reinstate my expired policy?

If your policy has expired, the steps to renew/reinstate will be the similar to purchasing a new policy. Here is how to renew/reinstate your expired policy:

1. Log in to your online account
2. Click on the "Add a policy" button.
3. Fill out the application.
4. The application will fill in your personal information. 
5. Additional Insureds would need to be re-added if needed.

Issues renewing 

If you are having issues renewing your policy it could due to one of the following reasons:

1. Automatic payment failed and you need to update payment information.
2. Information provided for the renewal is incomplete or incorrect.
3. Issue with an application such as date on the application is incorrect.
4. Temporary system issues on our end, in which case please wait and try again.

Claims

How can I file a claim?

To file a claim please follow these simple steps:

1. Login to your dashboard (AKA your online account)
2. Click the “File a Claim” button
3. Fill out the claim form
4. Submit the claim form once finished
5. Receive and respond to the email sent from the claims adjuster.

If you have any questions about the instructions above, please let us know. If you have already submitted a claim and want to follow up, please send an email to [email protected].

How long do I have to file a claim?

We recommend filing a claim as soon as practical. A claim must be filed during the policy period.

Will a claim affect the price of the policy?

While a claim will not affect the price of the policy. It can affect eligibility when it comes time to renew the policy. If your policy has gone up, it could be due to added coverage, endorsements, or because there was an increase in the price at the time of renewal. Please see your dashboard or reply to this email if you have further inquiries.

Does PCI cover my property?

PCI is designed to insure the liability aspects of your business. There is some coverage for your business personal property (personal property used in your business). If you have not yet purchased the policy, feel free to either call us with your question so an agent can address this more fully or request here for a sample document. If your property has been damaged already, please file a claim.

How to know what the policy is designed for and what it is not designed for.

Your business insurance policy is specifically designed to meet your business's liability needs. This means that if, during your business operations, your business is held responsible for causing damage or injury to a third party, and the policy does not exclude such activities, you will have coverage for such an incident. Your policy is designed to fulfill the liability needs of your business. This means that if, during your business operations, your business is responsible for the damage or injury of a third party, allowing the policy not to exclude such activity, you would have coverage for such an incident.

Emergencies

If you have an emergency, please address the needs of the emergency by calling 911, seeking medical attention for all involved (including pets), or seeking shelter as needed. Once the emergency has ended, if you need to file a claim, please do so. If you need to speak to an agent, please call us or ask for an agent.

Claims questions on the application.

The following are exclusions in the policy and will make the applicant ineligible to get the policy if applicable:

• Any insured that has been canceled or non-renewed in the past 3 years.
• Any insured that has had any claims exceeding $5,000.

How much coverage do I have for a veterinary visit?

A visit to the veterinary may be covered by your policy and the amount that is paid out can vary with each claim. The best way to know how much your claim will pay is to file a claim. If something has not yet happened, we recommend reading the policy and checking out the website.

What to do if injured by a pet.

If anyone was injured by a pet, we suggest filing a claim. As with all liability claims, one of our claims adjusters will be happy to review your policy to determine coverage. To file a claim, please log into your dashboard and click the file a claim button. If you are not an insured, please fill out this application and send it to [email protected]

How to get a reimbursement from this policy?

If you are referring to filing a claim for something that happened, please log into your account and click the "file a claim" button. If you are referring to getting a refund, please email your request to [email protected] to see if your situation merits a refund.

Cancellations

Can I stop or pause my policy?

We do not have the option to pause your Annual policy; While we cannot pause the policy, it can be canceled by you at any time.

Can I cancel my policy at any time?

Your policy can be canceled anytime by sending an email to [email protected]. The email must be sent from the email address used to log into the dashboard online. Please include your:

• Full name
• Policy number, and request to cancel. 

How to cancel a renewing policy

If your policy expires soon, we offer the option to cancel your automatic renewal (Your policy may be enrolled in the EZ renew/automatic renewal). This can be turned off any time before your policy renewal date. To cancel EZ Renew please follow these simple steps:

1. Login to your dashboard (your online account)
   Note: The "Login" or "My account" button is located in the upper right-hand corner of our website
2. Click the “My Policies” button in the “Manage Policies” section
3. Scroll down to the bottom to the EZ Renew section
4. Click the “Cancel EZ Renew” button
   *If this does not work, please reply to this email with your request to cancel your EZ Renew.

How to cancel a policy that just renewed

Policy just renewed and I want to cancel - 

If the policy just renewed within 10 days of today, please do the following:

1. Login to the dashboard
2. Click the Change policy options page
3. Click the request cancellation button

If that option is not available or does not work, send an email to [email protected] with your name and policy number. Your request will be processed by our Cancellation team.

How do I cancel my policy?

We are sorry to see you go and hope that you return soon. You can conveniently request a cancellation through your dashboard:
1. Log in to your account. This is done by clicking either the “Login” or “My account” button located at the upper right hand corner of your screen. If you forgot your password, please select the "Forgot Password" link to reset it through your email
2. Click the “Change Policy Options” button in the “Manage Policies” section
3. Select "Request Cancellation"
If this does not work, please send us an email to [email protected] with your request.

If someone cancels their monthly payment policy mid term, do they have to pay for the remaining months?

When the policy is cancelled mid-term and monthly payments are set up, the remaining monthly payments will not need to be paid.

Cancellation Policy

Please keep in mind that while this policy is 100% earned and non-refundable but there are some exceptions. If you are cancelling your policy or a portion of your policy, please send us an email to [email protected] with your request.

Trouble Shooting

This guide will help give tips on what to do when encountering a technical issue.

Things that can be tried is almost any situation

Refresh the page

Refreshing the page can help resolve many issues. Sometimes, if the page gets stuck, click the refresh button. The refresh button can come in many forms. It can be a circular arrow at the top left of the page. Other browsers might have other icons. Another way to refresh is to click the right button on the mouse and select Refresh. On rare occasions, this might cause some or all of the information that has been entered to be erased. If this happens, we do apologize. It might be what is needed to get the issue fixed.

Clear the cache/cookies

While not as fun as clearing the cookies off the kitchen table, the method can help clear how to navigate the website and application. Clearing the cache and cookies varies with every website. The best way to know how to clear the cache/cookies off your browser is to do an internet search. 

Close the browser and re-open it

If refreshing the page and clearing the cookies has not worked, try closing the browser and re-opening it.

Change the browser

Sometimes we have to change the browser. We have found that Chrome works best but that others work as well.

The website is not loading.

Here are a few things you can try doing

• Refresh the page
• Clear cache/cookies
• Close the browser and re-open it
• Change the browser (Chrome tends to work the best)
• Try a different device

Is your website having issues/down?

What is the website doing?

Page specific trouble Shooting.

Application

Date on the application

If you are having trouble on the application and the date was just entered, try changing the date to a sooner date. Please note that the policy can only be purchased 180 days before the start date for the event policy and 90 days before the start date for the annual policy. Every two years we update the Master policy. This can affect the availability of the start date or the availability of the policy number. Please click Why has my policy number not generated?
to learn more about the Master Policy.

"Checkout configuration with the provided version not available" message.

If you are getting the "Checkout configuration with provided version not available" message, please try clearing your cache and cookies. Then refresh the page and try one more. If this message still appears, please try again later as it appears we are fixing something on the website.

Not able to move past the additional insureds page.

A common issue with the additional insured page is having additional insured forms that have been opened but not completed. To fix this, simply remove all of the unfilled additional insured applications and then attempt to continue with the application. Please note that additional insureds can be added after the policy has been purchased in your newly formed dashboard (account). Please let me know if you need those steps.

Proceed to checkout is not working.

I am sorry to hear that. To fix this issue, lets try the following:

1. Check the application for anything that could be missing.
2. Refresh the page. The application might have timed out.
3. Try a different browser.
4. Try a different device.

Troubleshooting adding a show policy.

There are a few issues that could occur when adding a Go policy. A common issue is when you already have coverage during the time of the policy you are trying to add. If this is the case, either coverage must be purchased, or you could purchase another policy starting the day after the Go policy expires. If this is not the issue, try clearing your cache/cookies and refreshing the page. If this still does not help, let us know.

Chat feature

How do I move the chat feature out of my way?

To get the chat window out of the way, simply click on the "x" at the top-left of the chat window. If you have questions after that, I will be on the bottom right of the screen.

Payment issues

Monthly payments

It can be frustrating when a monthly payment fails, but don't worry! The payment can be resubmitted within 14 days of the original past due/late payment. Here are a few easy steps that will help you resolve the issue quickly :

1. Login to your dashboard by clicking the "Login" or "My account" button
2. If your payment information has not changed, please skip to step 4
3. Go down and click the "payment profiles" button and then click the update button. Follow the prompts.
4. In the "Welcome" page of the dashboard, click on the “Resubmit payment" button if available, otherwise click on "Insurance Quotes and Proposals" and then "Resubmit payment"
5. Go through all steps that are required by the form

If your monthly policy has been canceled due to a missed payment, please contact us to reinstate the policy if it has been cancelled within the last 14 days.

By following these steps and staying proactive, you can quickly resolve any issues with failed monthly payments and ensure that your transactions are processed smoothly in the future.

The initial payment includes the first and last month's payment plus any fees and taxes. The taxes and fees may vary depending on your state and is calculated at the checkout section of your application. This allows you to enjoy the benefits of the policy with the convenience of monthly installments.

How can I reinstate my policy after it was cancelled?

The request to have the policy reinstated can be submitted only by chat, by replying to this email, or by calling at 877-536-7290 if the policy was cancelled within the last 14 days. 

Can you change from Monthly payment to Annual payment or Annual payment to Monthly payment?

To change your Monthly Payment to an Annual payment. You can either do this from the check out at purchase, or when updating your information for renewal. Information can be updated up to 30 days before renewal. We currently do not have a way to change payments from Monthly to Annually or Annually to Monthly mid term.

What is a "Master Policy"?

A master policy is a written policy that is cloned to create the individual policies we sell. The master policy is updated every 2 years to account for any changes that may need to be made to the master policy itself.

Why does my policy say "TBA" or not have a policy number attached?

This was done to enable our customers to purchase a policy while the master policy is being finalized. A policy number will be generated as soon as the master policy has been finalized.

Why has a policy number not been assigned to my policy?

At this time, we are finalizing some details pertaining to the policy. Once we have finished those details, we will generate the policy numbers automatically. We apologize for any inconvenience this may have caused.

How long should it take to generate the policy number/what is the ETA?

While we do not currently have an ETA, we expect the master policy to be done soon. Once done, the policy number will be automatically generated on your policy documents.

 Why have I not gotten a call back?

When receiving a callback from our Customer Support team, please note that the call will be coming from a Utah number and not the number you called initially.

It won't let me enter my CVV code for my credit card?

If you are unable to enter your credit card CVV code, first observe the rest of the page to see if there are any error notices for other parts of the application. If there are, address them and try again. If after that it is still not fixed, try clearing your cache/cookies from your browser. If that still does not fix the issue, please give us a call during our normal business hours (M-F 6 AM - 6 PM, MST).

How long does it take for my Endorsements to be approved?

 Endorsements generally take a business day to be approved.

FAQs

General questions

Do you offer services in Spanish?

We offer service in Spanish. Gracias por preguntar. En que le podemos ayudar?

Is Veracity/PCI hiring at this time?

Please go to https://www.veracityinsurance.com/careers to see all of our career opportunities.

General statements

I am OK

We are happy to hear you are OK. If you need more assistance, you know where to find us.

I have been on hold for a while.

We apologize for the delay. We are currently experiencing a higher than usual call volume. For the fastest method of communication, please click the chat button at the bottom right of our webpage.

I am helping a friend/family member with their policy.

That is kind of you. How can I help?

I have a question.

Please state your question and I will be happy to help.

How to report something

We will need as much information as possible. If you have not already included this information, please reply to this email with the following:

• Policy number if affecting a policy.
• What the issue is.
• What triggers the issue.
• How is this issue a setback for you.

RPGs

What is the UTA fee?

The Universal Trade Alliance (UTA) is a rebrand that will help us be more compliant with the insurance industry's rules and mandates while also building something that can add value to our customers' experience with us. It gives our members more tools and resources to start, grow, and protect their businesses, so they can turn their passions into professions.

The main benefit of the UTA is the insurance we provide, but it also allows us to provide additional benefits like discounts on services. An additional benefits section on the customers' dashboard will have a PDF with benefits and discount codes exclusive to UTA members. Benefit features may not be up yet on the Dashboard. If you don't see it listed on the DB, it is not up yet or available.

The UTA fee is currently on ALL products. It has replaced the agency fee, or the RPG fee that used to be listed on the Declarations page (proof of insurance). It is not a new or additional fee.