No PCI bonding cover for business owners?

I'm a little confused about the policy on PCI. I want to be bonded as I do drop-ins for my clients, but after talking with their chat feature, they only bond employees/independent contractors. I own my business working with pets and working with Rover, but it seems that I wouldn't be protected. They said: "The Employee Dishonesty Coverage protects you from financial losses resulting from fraudulent or dishonest activities of your employees. However, this coverage does not protect against accusations made against you personally. If a client claims theft but you are not found guilty, the coverage does not automatically reimburse them. The coverage specifically addresses losses due to employee actions, not disputes over accusations against the policyholder. For more details, you can refer to your policy documents or contact us at info@petcareins.com."

Thoughts?