Every provider must hold, in the name of their own business, a Commercial General Liability policy on an occurrence basis of not less than $2,000,000 per occurrence, and Animal Bailee coverage of not less than $10,000 per animal, added to that same policy as an endorsement. GoPaw is not an insurer, does not issue policies, and is not a party to any provider’s policy.
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Cover is a condition of joining
Animal bailee is the part of the cover that responds when a pet is injured, lost or falls ill in someone else's care. A commercial general liability policy on its own excludes it: a pet is property in your care, custody and control, and that is precisely what the standard wording carves out. On GoPaw it isn't optional — sign-up starts with the policy, and the provider stays inactive until the declarations page is on file and its expiry date recorded.
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The policy is theirs, not ours
Providers arrange cover directly with a Canadian insurer or broker of their own choosing. GoPaw doesn't sell, arrange or recommend insurance — we tell providers what the policy must cover, and we check that a policy document has been supplied and has not expired. We do not confirm with the insurer that a policy is in force, and we do not assess whether its limits, sub-limits, deductibles or exclusions are adequate for any service, any pet or any customer.
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What we check before they knock
Identity and background verification are required before a provider’s first booking. You see who is coming before they arrive.
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What “insurance on file” means
GoPaw records that this provider has given us a certificate or declarations page showing a policy of insurance and an expiry date, and we pause the provider’s profile if that date passes without a replacement document. That is all we do. We do not verify with the insurer that the policy is in force, that premiums have been paid, or that it has not been cancelled. We do not assess whether the limits, sub-limits, deductibles, coverage extensions or exclusions are adequate for any service, any pet or any customer. We give no advice about insurance and we are not licensed to do so. GoPaw does not undertake to protect you against the risk that a provider’s insurance is insufficient or does not respond to a claim — ask the provider directly for a current certificate of insurance. Providers are independent businesses; GoPaw is not their insurer, guarantor or broker.
