While you’re busy caring, feeding and fetching, we’ll take care of sourcing your insurance.
Working with animals can be very rewarding but it can also come with unforeseen risks. That’s why you need animal business insurance from a broker who loves and understands animals as much as you do.
GET A QUOTE & BUYCliverton has over 50 years’ experience providing insurance for animal businesses like yours. We love animals too. We have dogs galore at home – and in the office!
This policy automatically covers up to six dogs for home boarding, dog walking, pet taxi, house and pet sitting or pet home visits.
As a team of animal lovers, we are committed to finding the right cover for your pet business while you walk Walter, feed Freddy and drive Dennis!
This insurance policy is suitable for people and businesses who wish to cover their public liability whilst home boarding animals, walking dogs, providing pet taxi services or home visits. It is not suitable if you are looking for vet fee or liability cover for your own dog or pets.
There are five main types of insurance you need if you run a pet sitting, minding or taxi service business. All are included in this 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 under the 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, a dog is being walked in a grassy area and cuts its paw on some glass - this could not have been prevented.
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 anyone time and includes walking dogs off lead (prior written consent is required).
Animals covered include dogs and cats, small domestic animals (such as rabbits, guinea pigs and hamsters), horses, ponies and donkeys (basic care only), reptiles and birds (such as snakes and budgies), and domesticated farm animals (such as chickens, sheep or goats).
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.
For pet taxi businesses, we also recommend you discuss your service with your motor insurer.
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 business’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
For the excesses applicable to the legal expenses policy, please click here.
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
View our Dog day care or Dog walking cover.
"I have one dog called Doug, a Cocker Spaniel - but I would have hundreds if I could! We love going for long walks on the beach or in the pinewoods.
My favourite thing about working at Cliverton is the team - including all of our 4-legged friends who are in the office daily. We have such a great work dynamic, and all share the same passion when it comes to our customers and our love of animals.”
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