While you’re busy adjusting aperture, casting and filming, we’ll focus on your insurance.
Working with animal stars of the big screen and stage can be very rewarding, but it can also come with unforeseen risks. That’s why you need animal business insurance from a broker who loves and understands animals as much as you do.
GET A QUOTE & BUYCliverton has over 50 years’ experience providing insurance for specialist animal businesses. If you supply animals for stage, film, TV, photography or public appearances, we can arrange cover for legal liability, loss and damage to third party property or personal injury.
We can show off a little by telling you that we already insure some famous animals from TV adverts, films and dramas for our animal agency customers.
While you have animals galore on set, we have animals galore at home – and dogs in the office, so we understand the madness and mayhem! As a team of animal lovers, we are committed to finding the right cover for your animal business while you put Champ and Troy in the limelight!
This insurance policy is suitable for those who use or supply animals for any stage show or production, television shows, advertising campaigns, films, photo shoots and public appearances. It is not suitable should you wish to supply animals scheduled under the Dangerous Wild Animal Act (DWAA) or for those looking to insure the animal against injury, loss or death.
There are two main types of insurance you need if you use or supply animals for stage, film, TV, photography or public appearances. Both are included in the animal agency insurance policy.
Public liability – designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For instance, if an animal accidentally injures a crew member.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Products liability – this covers the business up to £5 million if injuries or damages arise as a result of a defective product that your business has supplied. Please note that this is NOT cover for retail sales where you sell any products.
We are able to arrange cover for most types of domestic pets, farm animals and even horses. The policy is valid anywhere within the United Kingdom, including Northern Ireland, the Isle of Man and the Channel Islands
Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance. This will provide cover should they injure themselves while at work. The amount of cover provided is £10 million.
Personal accident – provides financial compensation should the insured party be injured while carrying out business activities. You can choose from benefits of up to £250 per week. This section includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.
Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.
Equipment and property – we can cover your businesses’ property and equipment, from small items (such as handheld equipment and stock) to large (such as office equipment). We are also able to arrange cover for commercial premises, business interruption, theft of money and your home. If you also need cover for tools or property damage, please contact us.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
The following excesses are applicable to the business policy only.
Liability excesses
Property excesses
Terms of Business
Provision of Service Statement
The public liability policy is underwritten by Certain Underwriters at Lloyd’s.
Equipment and property is underwritten by Ecclesiastical Insurance Office plc.
Commercial Combined Key Facts
Combined Liability Policy Wording
Notice to policy holders - September 2024
Legal expenses policy is underwritten by ARAG plc.
Legal Expenses – Key Facts
Legal Expenses Policy Wording
Important information about our direct debit payment option
We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.
Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics.
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage
Common ownership – the use of land by one or more people, which is owned by someone else
DWAA – animals listed on the Dangerous Wild Animals Act 1976
I’m Kiera and I work within the Small Animals team. I joined Cliverton after completing my degree in Forensic Psychology in 2024. I have two cats, Owen and Gatsby, and grew up surrounded by family cats and dogs.
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