If owners give the sitter a key to their home to enable access to the pet, I can imagine all kinds of undesirable outcomes - both real and imaginary. What protections are in place for owner's and sitter's?
The short answer is nope. Rover offers what it calls a guarantee, which essentially covers the owner's pet and and property damage. It specifically excludes theft. To be bonded, a person has to be an employee, which we are not. If you read it carefully, Rover expects us to obtain our own liability insurance and owners to apply their own homeowners or pet insurance first.
Everything is laid out here: https://www.rover.com/rover-guarantee/
and the legal version: https://www.rover.com/terms/guarantee/