We Are Licensed, Bonded, and Insured

Hoofbeats Horse Sitting Service

Membership ID #: 24405

Date Effective: 3-16-09

Pet Sitters Associates Insurance Coverage

Administered By: Insurance Facilities

Eau Claire, WI

www.petsitllc.com

Liability for "Bodily Injury" or "Property Damage"

~ Veterinarian Expense Coverage

~ Medical Payments Coverage

~ Lost Key Coverage

~ Loss to Personal Property in HHSS's care, custody, and control

~ Loss to Animal in HHSS's care, custody, and control

PET SITTERS ASSOCIATES INSURANCE QUESTIONS AND ANSWERS

1) Who is Insurance Facilities?
They are a national broker-agent that manages this program for the insurance company and the covered pet sitters. They specialize in association and group insurance. They have been operating on a local and national basis since 1932.

2) What does the insurance pay for?
The policy states: "PSA will pay for those sums that the insured becomes legally obligated to pay as damages because of 'Bodily Injury' or 'Property Damage' to which this insurance applies. PSA will have the right and duty to defend the insured against any 'suit' seeking these damages."

3) What is Bodily Injury?
The policy defines Bodily Injury as: "bodily injury, sickness, or disease sustained by a person, including death resulting from any of these at any time." Bodily Injury liability is designed to pay for injury the sitter causes to someone else. Example: if the sitter was walking someone's dog and the dog bit a passerby, PSA would pay for any liability the sitter would be legally liable to pay.

4) What is Property Damage?
The policy defines Property Damage as:
A) Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it.
B) Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the "occurrence" that caused it.
Property damage liability is designed to pay for damage to property of others. This coverage contains a special exclusion for property in the sitter's care, custody and control. This is why PSA has designed the special coverage parts for pets and the option to purchase personal property of others coverage (called Special Property Of Others Coverage).

5) What is the Veterinarian Expense Coverage?
Liability insurance typically only pays for injuries or damages caused by the sitter's negligence or the negligent act of the insured's employees or independent contractors. However, the veterinarian expense coverage provides coverage regardless of negligence on the part of the sitter. If an animal in the sitter's care is accidentally injured, PSA will pay for the vet expenses regardless of the sitter's negligence.

6) What is the Medical Payments Coverage?
Medical payments coverage is third party coverage that covers medical payments to persons other than the sitter or the pet owners. An example of how this coverage works would be if the sitter was walking someone's dog and the dog bit a passerby, PSA would pay for that person's medical bills. This could be done without the other party starting a lawsuit or there being any legal liability on the part of the sitter.

7) What is the Lost Key Coverage?
This would pay for the cost of having new keys and locks installed in a customer's home should the sitter lose their keys.

8) What is Loss of Personal Property?
This provides the sitter with protection for customer's property in his/her care, custody or control. This also protects the sitter from negligent acts of his/her employees that result in loss or damage to property of the customer. This is broader than most bonds as bonds cover only dishonest acts.

9) What is Loss of Animal?
This coverage is very important and protects the sitter should an animal she is responsible for be lost, stolen, or accidentally injured or killed. This also covers the animal while being transported.

10) What about bonds?
Bonds usually require that the person be convicted of the crime before the bonding company would make a payment. The bond further requires that the individual make full restitution to the bond company for the payment. PSA's special personal property endorsement provides broader coverage and includes losses such as breakage, destruction, mysterious disappearance and loss caused by an employee theft from a customer's premises.

11) What does the Special Personal Property Endorsement do?
The special personal property endorsement covers the loss of the personal property of the pet owner while in the sitter's care. This does not include the loss of the animal itself as that is covered elsewhere in the policy. Coverage is included for theft, breakage and mysterious disappearance of the personal property of the pet owner.

12) What about Incidental Help?
PSA understands that every pet sitter needs an occasional helper. Coverage is included automatically should the owner of the Hoofbeats Horse Sitting Service need to hire someone on a temporary basis in the event of an emergency, illness, or to help during the holiday season.