We are a nation of pet lovers in the UK and many of us see our pets as part of the family. If your business operates in the pet care industry, it’s essential that you have the right insurance in place to cover you if something were to go wrong with a dog, cat or other pet in your care.
Holding the correct insurance reassures your clients that you are responsible, trustworthy and experienced in your industry.
What does pet business insurance include?
From dog groomers and walkers to breeders and pet shops, there is a wide range of pet business insurance available to cater for the specific requirements of your own job.
As standard, your pet business insurance package should include:
1. Employer’s liability insurance
Employer’s liability cover is a legal requirement. This type of insurance will cover you if an employee sues you for damages as a result of an injury or illness caused at work. From injuries received while dog walking to animal bites, there are a number of obvious risks specific to the pet care industry.
2. Public liability insurance
Public liability insurance is a vital addition to your pet business insurance policy. This type of insurance protects you against claims made by members of the public for injury or damage caused by your business. This insurance would cover you if, for example, a client slipped on the wet floor of your dog grooming parlour and injured themselves.
3. Product liability insurance
Product liability cover is essential if you are manufacturing and selling any pet care products. If one of your products causes illness or injury, you will be liable as the producer and your product liability will cover any legal costs.
4. Office insurance
Office insurance can be included as part of your pet business insurance to cover your business furniture, fixtures and fittings. Don’t risk having to temporarily close your business due to damage or loss caused by fire, flood or theft.
5. Business contents insurance
The pet care business relies on specific tools of the trade. If your equipment is damaged or stolen, business contents insurance will cover you financially so you will be able to get on with your job.