Microchippers insurance

Policy information

This insurance policy is suitable for people and businesses who are looking to cover their public liability whilst microchipping animals and/or providing a microchip scanning service.

What insurance do I need?

There are four main types of insurance you need if you run a microchipping 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.
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The standard limit is £5 million, but it can be extended to £10 million for an additional premium.

Products liability – this covers the club up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.

Care, custody and control – cover is provided for any claim made against you for either injury, loss or death of an animal while in the care, custody or control of you or an employee. For example, a pet is injured during the microchipping process.

Non-negligent cover – cover incidents where there is no negligence or fault on the business’ part, but a third party still experiences a loss or injury. For example, whilst waiting for its owner, a dog is put into a crate and whilst in it, it bites the crate and breaks a tooth.

What is covered?

Microchipping services provided to the public for pets, including scanning services.

What is excluded?

Any activities outside of the UK, Northern Ireland or the Channel Islands, or any excess applicable

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 as this will provide cover should they suffer an injury while at work. The amount of cover provided is £10 million. If you have or are thinking about having school age work experience, please contact us.

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 – protects your business should you offer professional advice for a fee, such as training students and the advice 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.

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 stock) to large (such as hydraulic equipment). We are also able to arrange cover for commercial premises, business interruption, theft of money and your home, however if you run your business from your own home, we recommend you also notify your home insurer. If you also need cover for equipment or property damage, please contact us.

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 business policy only.

Liability excesses

Public liability
• Third party injury – nil
• Third party property damage – £100
• Care, custody & control and non-negligence - £50
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

Notice to policy holders - September 2024

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

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

Caron Chatwood,
Labrador Retriever Club

Microchippers insurance

Cover as unique as your business

Keeping pets safe is your business. Safeguarding your business is ours.

Policy information

Meet Steph, Account Handler and dog lover

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