As a therapy dog business owner, you know first-hand how important it is to provide a safe, stimulating and supportive environment. At Cliverton, we know how important it is to know your business is in the safe hands of an insurance broker who cares about animals as much as you do.
GET A QUOTE & BUYWagging tails, wet noses and unconditional love make a world of difference in people’s lives. As a therapy dog business owner, you’re doing vital work that needs to be protected.
That's where we can help.
Here at Cliverton, we aren’t just insurance experts – we’re barking mad about animals too and we believe businesses like yours deserve the best possible cover.
Whether you have a pack of PAT pooches or a team of reading assistance dogs, we work alongside you to create insurance cover that’s tailored to your specific needs. Rest assured you’ll have that safety net should any unexpected hiccups happen along the way.
This therapy dog insurance policy is suitable for people, businesses and organisations who are looking to hold public liability whilst they are using animals for therapy purposes. It is not suitable for personal assistance dogs or people who require vet fee cover.
There are two main types of insurance you need if you run a dog therapy business. Both are included in this dog therapy 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 a dog 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 your business up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.
It covers reading assistance dogs, therapy dogs (at schools, businesses, colleges etc), PAT dogs and dogs for therapy for people with behavioural or learning difficulties. Please contact us for further information regarding what activities can be covered.
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 £10million.
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 organisation’s property and equipment, from small items to large. We are also able to arrange cover for commercial premises, business interruption, theft of money and your home.
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
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
Having worked in the insurance industry for nearly 3 years before joining Cliverton, it’s so nice now to combine my love of animals with my enjoyment of working in insurance!
As well as taking my dog Raya for long walks, I also work on a farm at the weekends, so I still spend lots of time outdoors with animals.
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