Are you a dog rescue centre or warden collecting and caring for dogs, helping to find furrever homes and supporting responsible dog ownership? This specialist insurance has you covered so you have peace of mind.
GET A QUOTE & BUYIf you’re a dog rescue manager working tirelessly to ensure that your furry guests are happy, healthy and safe, risk comes with the job, so insurance is a vital investment.
From animal-related personal injury to volunteers or employees to having to deal with aggressive or dangerous dogs, a specialist dog rescue insurance policy will have your back.
We also cover you if you’re a dog warden, the unsung heroes of the dog-loving community. You deliver an invaluable service - from collecting stray dogs and reuniting them with their owners to investigating dog-related complaints and enforcing local dog laws. But your role can be challenging and is certainly not without risks.
The friendly Cliverton team has more than 50 years’ experience insuring dog-related businesses, so you can rest assured that we will help you with the right specialist cover. As we speak your language, we can also offer empathic support during claims.
(If you carry out any other tasks in relation to dog restraint, please visit our security policy page which may be more suitable.)
This insurance policy is suitable for those who require public liability insurance for running a dog rescue or who undertake dog warden activities. It is not suitable for those who are looking to insure the animals for vet fees.
There are two main types of insurance you need if you run an animal rescue or dog warden business. Both are included in this insurance policy.
Public liability – the main type of insurance you need if you are a dog rescue or dog warden is public liability. This will protect you from claims arising from the actions of you, an employee or one of the animals which has resulted in injury to a third-party or damage to their property due to your negligence.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Products liability – This will cover your business up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
This policy covers dog rescue societies, rescue kennels, foster care and dog wardens.
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 suffer an injury while at work. The amount of cover provided is £10 million.
Personal accident – provides financial compensation if the insured party is unable to work due to an injury or illness, lasting for more than 7 days. If you already have a public liability policy with us, you can either add this cover to your existing policy or consider our stand-alone Cliverton Protect policy, to which you can also add sickness cover and offers benefits like 24/7 worldwide overage. We can offer various levels of cover to suit you and your business so please either call or email the team to discuss your options.
Please note that this does not cover any pre-existing conditions or illness.
Professional indemnity – if you give professional advice for a separate fee and that advice results in either a physical or financial loss, professional indemnity will cover any resultant claims. The standard cover is up to a limit of £500,000.
If you don’t think you will need as much cover as the standard level, we can now also offer lower limits of professional indemnity cover for reduced premiums.
Equipment and property – you can add cover for business property and equipment to your policy. This can include most items used for your business ranging from small items such as bedding and feed to large items such as office equipment.
We are also able to arrange additional cover for commercial premises, business interruption and theft of money.
If you are running your business from your own home we recommend that you notify your home insurer. We can provide cover for your home insurance, please contact us if you would like us to provide a quotation.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
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
“If you cut me open, you’ll see the word ‘insurance’ all the way through! Following a 25-year career at Aviva, I joined Cliverton in 2013 and have never looked back.
Cliverton is such a great place to work, we are like one big family, all with a similar focus on our love of animals and on providing the best service we can to our customers.
I love cats and dogs and have owned a wide variety of them over the years. I currently own a completely bonkers Cocker Spaniel called Buddy.”
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