You specialise in helping animals get back on the road to recovery. We specialise in protecting your business from any unexpected mishaps. Together, we can make sure your business thrives with pet physiotherapy and hydrotherapy insurance.
GET A QUOTE & BUYWhen the unexpected strikes, pet physiotherapy and hydrotherapy insurance can help get your business back on track.
Cliverton has been providing insurance to companies like yours for more than 50 years so we understand what cover you need – and what you don’t. We’ll work to create the best policy for your business while you’re busy stretching limbs or setting up a treadmill.
We won’t just throw you in at the deep end either. Our team of insurance experts – and animal lovers! - are here to support you from initial contact through to the claim process. This means you can rest assured knowing you’re in safe and caring hands.
This insurance policy is suitable for people or businesses who are looking to cover their public liability whilst they are providing pet physiotherapy, hydrotherapy, animal massage and non-invasive animal therapies. This policy is not suitable for those looking to cover any therapeutic work on humans or horses.
There are four main types of insurance you need if you run a pet physiotherapy or hydrotherapy 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 member of the public slips whilst walking alongside the pool.
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. Please note, this is not cover for retail sales where you sell any products.
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 where there is liability. For example, you don’t notice a dog has been left in the water and drowns.
Non-negligent cover – covered up to £25,000 for incidents where there is no negligence or fault on the business’ part, but a third party still experiences a loss or injury. For example, a dog is put in a crate whilst waiting for its owner to collect it and the dog bites the crate, breaking its tooth.
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 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 your business should you offer professional advice for a fee, such as providing a rehabilitation programme for an animal, 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. If you are a member of certain governing bodies or trade associations this may be a requirement of your membership.
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 business’s property and equipment, from small items (such as handheld equipment) to large (such as office equipment). We are also able to provide insurance for your pool, underwater treadmill and hoists, as well as additional cover for commercial premises, business interruption, theft of money and your home. Please note, if you are running your business from your own home, even if this is from a cabin on your premises, you must also 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
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
As a gamekeeper’s daughter, I definitely have a rural background and enjoy attending shoots and going to the local races in Fakenham. My dog Milo (also known as Smilo!) and I love to go for walks on the beach and around the farm where I live.
I’m an enthusiastic volunteer for several animal charities, so I love the fact that as part of the Benefact Group, we give all our available profits to charities and good causes.
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