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  • Dog Bite Liability: Risk Management and Insurance for Pet Service Professionals. Presented by David Pearsall

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Dog Bite Liability: Risk Management and Insurance for Pet Service Professionals. Presented by David Pearsall

  • Tuesday, September 22, 2020
  • Friday, September 22, 2023
  • Virtual Audio and Presenter Files



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A 7-year-old in upstate New York is bitten on the face while assisting in a group training class. A 63-year-old in south Florida exits his apartment with his Maltese dog and is mauled by a bull mastiff that a dog walker could not restrain. Two dogs got into an altercation in a group class and one of the dog owners now has permanent impairment to her wrist and fingers from her attempt to break up the fight. All of these are examples of actual dog bite claims that have been experiences by pet service professionals.

This session will look into dog bite liability and the most common types of dog bite claims the insurer sees year in and year out to pet care professionals. It will discuss the life cycle of a dog bite claim from when it first occurs to when it is ultimately settled by the insurance company, so you will know what to expect should it ever occur to you.

In addition, we will discuss all the various liability exposures pet service professionals share, whether they offer dog training, dog walking, pet sitting, pet boarding or pet grooming. We will cover general liability, professional liability, workers compensation, and much more, so you will know how to properly insure your business and make certain you are protected when the unthinkable occurs.

Learning Objectives:

  • Identify the primary insurance exposures of a pet service professional.
  • Learn how to properly cover your business against these exposures.
  • Understand what is involved with a dog bite liability insurance claim.
  • Understand how to properly cover the dogs/pets in your care/classes
  • Learn the difference between general and professional liability coverage.
  • Learn how to protect yourself as well as your clients.

Your Presenter

David Pearsall CIC CWCA

David Pearsall CIC CWCA is co-owner of Business Insurers of the Carolinas, a multi-line commercial insurance agency specializing in insurance for pet service professionals since 1992. He obtained his insurance license and began his insurance career with Business Insurers of the Carolinas in 1995. The following year, he began working in the agency’s pet service’s department. At that time the agency worked with approximately 500 pet sitters and dog trainer’s nationwide, providing insurance coverage to cover dog bite liability and other bodily injury/property damage claims to third parties, as we well as care, custody or control coverage to cover pets while in the care of pet sitters, dog walkers and trainers.

In 2002, he obtained his Certified Insurance Counselor (CIC) designation, and in 2003 his Certified Workers Compensation Advisor (CWCA) designation. Today, he is responsible for managing the pet services programs for Business Insurers of the Carolinas and continues to try to educate the pet world on the types of claims that occur to pet service professionals. Over the last 23 years he has handled and/or been involved with thousands of insurance claims, from dog bites to cat urination and everything in between.

Business Insurers of the Carolinas now works with 10 of the leading pet services associations and schools in the US, including the Pet Professional Guild. They have expanded their offerings and currently work with thousands of pet service professionals nationwide, including pet sitters/dog walkers, dog/pet trainers, pet boarding/daycare facilities, in home boarding facilities, pet grooming, pet massage, pet first aid instructors, pet stores, and veterinarians. Pearsall and Business Insurers of the Carolinas are licensed in all 50 states and offer comprehensive coverage for pet service providers including general liability, bonding, workers compensation, commercial property/equipment, commercial auto, employment practices liability, cyber liability and excess liability/umbrellas.

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