Rover insurance issue?

I know your direct question was answered but I guess my 2 cents would be, if there was already an issue with the door, why would the client expect you to pay for the damages? Was the floor immaculate already and now there are unseemly gauges that ruined the floor? I no longer do sitting at people's homes but I used to (and my Mom still currently dog sits), and if something like this happened the owners would only expect me to pay for it if the floor was in really good condition and the marks were very noticeable and the door frame was in perfect working order but I broke it. Good luck! I know that having to pay would likely have wiped out any earnings and maybe plus that so I hope it works out!

You can (and should) get additional insurance for yourself. If you a member of one or more professional organizations - a pet sitters association etc. Usually one of the best things is that your membership fee allows you purchase the insurance at a group rate instead of at an individual rate.

You can also discuss insurance questions with your insurance agent. Often an insurance agent will offer discounts for multiple policies (not always for this type of stuff).

Nothing will back cover - but you can look up stuff now

We’re the scratches HUGE? Are we talking like serious gouges from a screen door - that the owners are expecting you to pay for?

It is plainly stated in the Rover Guarantee https://www.rover.com/us/guarantee/ and the old protection plan that the sitter is responsible for the first $250 from any damage or vet bill claim, most will agree that this sucks.

The real truth is Rover does not have to cover any bill at all so it can all fall on the sitter. Many sitters purchase independent pet business insurance but most also have a deductible up to $500 but at least they provide the sitter with liability coverage where Rover doesn't cover the sitter at all.

Sorry you have to fork over money to cover damages.