As a dog walker, you’ll be used to the unpredictable nature of your furry clients. But when it comes to protecting your business, you don’t want any shocks or surprises. That's where dog walkers insurance comes in.
GET A QUOTE & BUYHere at Cliverton, we’re not just a team of insurance professionals – we’re dog lovers too.
With many of our staff owning pooches, we know what it's like to have a furry friend by your side and understand the joy that comes with walking dogs. That's why we're dedicated to providing you with tailored dog walker insurance that protects your business should the unexpected happen.
This insurance policy is suitable for people and businesses who wish to cover their public liability whilst walking dogs. It is not suitable for people wishing to insure their own dog.
There are five main types of insurance you need if you run a dog walking business. All are included in our 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 injures 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. Please note, this does not cover you for products which you sell.
Care, custody and control – cover is provided for any claim made against you for either injury, loss or death of a dog while in the care, custody or control of you or an employee.
Non-negligent cover – covers incidents where there is no negligence or fault on the business’ part, but a third party still experiences a loss or injury. For example, if a dog in the walker's care is injured by a dog belonging to a third party.
Loss of keys – if you are looking after a customer’s keys as part of your business, we provide cover should the keys be lost or stolen from either you or an employee, or locked in a building.
The policy will cover you to walk a maximum of 6 dogs at any one time and includes walking dogs off lead (prior written consent is required).
It also includes cover for your immediate family (spouse, partner, child over the age of 16) or parent (if they live with you) to help you out with your business. This allows family members to assist you, such as feeding the dogs whilst they are staying with you. (Please note that this extension excludes house sitting in other people’s homes or any injuries they may sustain).
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. If you have or are thinking about having school age work experience, please contact us.
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.
Events, shows and fundraising – we can cover one-off and multiple events, shows and fundraising in connection to your business.
Equipment and property – we can cover your organisation’s property and equipment, from small items (such as leads and collars) 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 equipment or property damage, please contact us. If you are running your business from your own home, we recommend that you notify your home insurer.
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
View our Dog day care or Pet sitting cover.
“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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