Dog club, cat club and breed society insurance

Policy information

This insurance policy is suitable for dog and cat clubs, as well as breed societies who wish to cover their public liability for club activities. It is not suitable for those wishing to cover animal breeding activities.

What insurance do I need?

There are two main types of insurance you need if you run a dog club, cat club or breed society. Both are included in our insurance policy.

Public liability – designed to protect the club against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For instance, if someone trips over equipment laying around at your cat show and injures themselves.

The standard limit is £5 million, but it can be extended to £10 million for an additional premium.

Products liability – this covers the club if a member or guest were to be injured or their property damaged as a result of a product that the club or society had supplied.

What is covered?

This policy covers club meetings, AGMs, field trials, competitions, use of live ammunition (gun dog clubs), events and shows, and if a member injures a fellow member or damages their property.

What is excluded?

Any animal subject to the Dangerous Wild Animals Act (DWAA)
The use of any dogs classed as a banned breed or subject to a Dog Control Order
Personal liability for the use of guns
The policy excess

What optional extras can I add?

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 suffer an injury 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.

Professional indemnity – protects the club or society should you offer professional advice for a fee, for example breeding advice and it results in either a physical or financial loss. The resultant claims can be covered up to a standard of £500,000, however we are now able to offer lower levels of cover (£100,000 and £250,000) at reduced premiums.

Equipment and property – we can cover your club property and equipment, from small items (such as handheld equipment and stock) to large (such as office equipment and ride-on lawn mowers). We are also able to provide cover for cups and trophies whether stored at a club house or in a private residence. Additional cover for commercial premises, business interruption, theft of money and your home is also available.

Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.

How much are the policy excesses?

The following excesses are applicable to the club policy only.

Liability excesses

Public liability
• Third party injury – nil
• Third party property damage – £100
Products liability – nil
Employers’ liability – nil

Property excesses

Buildings – £250
Contents – £100
Money – £100
Business interruption – nil
All other property claims – £100
Personal accident – first 7 days of incapacity

IMPORTANT INFORMATION

Terms of Business
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Provision of Service Statement
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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
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Important information about our direct debit payment option

Insurance terms explained

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

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your help and your very
quick service."

Hungarian Wirehaired
Vizsla Club

“A thank you from me - you make my life a lot easier with the clubs that I manage."

Caron Chatwood,
Labrador Retriever Club

Meet Emma, Team Leader, Specialist Team

I’ve had my smallholding for several years with around 20 ducks and 20 chickens.

I understand the highs and lows of owning a smallholding, so I can ensure you get the cover you need, and don’t pay for cover you don’t.

EMAIL EMMA OR CALL 01328 857921

Dog club, cat club and breed society insurance

Cover as unique as your business

Your club or society is in safe hands

Policy information

Meet Emma, Team Leader, Specialist Team

GUIDE
Tips on running a business from home

NOT READY TO BUY?

Did you know we also sell home insurance?

CONTACT US

LEGALS

Dog club, cat club and breed society insurance

Cover as unique as your business

Your club or society is in safe hands

Policy information

Meet Emma, Team Leader, Specialist Team

GUIDETips on running a business from home

NOT READY TO BUY?

Did you know we also sell home insurance?

CONTACT US

LEGALS

GUIDE
Tips on running a business from home