While you’re busy getting events up and running, we’ll set up your insurance.
Working in events that involve animals can be 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 with specialist animal businesses. If your business is focused on fairs, festivals and fetes, Cliverton can sort your insurance. We can arrange cover for legal liability for loss and damage to third party property or personal injury incurred due to your negligence.
While you have animals galore at your events, we have animals galore at home – and dogs in the office – so we understand the madness and mayhem of managing animals! As a team of animal lovers, we are committed to finding the right cover for your animal business while you make sure every event is a success!
This insurance policy is suitable for those who require public liability insurance for holding events, whether they are fundraising events or a chance to advertise your business.
There are two main types of insurance you need if you run animal events. Both are included in our animal event 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 escapes and bites a member of the public.
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 had supplied.
We can cover single events and annual events.
Stall holders at your events will need to hold their own public liability.
Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as 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.
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
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
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 have recently joined the Cliverton team having been a registered veterinary nurse for 14yrs.
I have felt so welcomed and supported by everyone here. I have 2 young children that keep me very busy, as well as a very stroppy cat and a Labrador Springer Spaniel cross who adores everyone.”
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