Kennels & Catteries Insurance
Specialist cover at a low-cost for kennels, catteries and pet boarding businesses from £5.41* a month.
- Protecting over 26,000 pet care professionals.**
- Flexible payment plans at 0% APR
- Public Liability up to £10 million
- Vet bills & equipment covered
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From £5.41* per month
What does kennels and catteries insurance cover?
Insurance for Kennels and Catteries offers the essential liability cover you need at a great price, allowing you to customise your policy to fit the unique requirements of your business.
With our insurance, you can choose from different levels of coverage, tailored to protect against the specific risks associated with boarding animals. Whether you run a small, family-operated facility or a large, commercial boarding establishment, our policy is designed to safeguard your business from potential claims related to property damage, injury, or illness.
Our policy includes 11 pet care activities, all our Pet Business Insurance policies include cover for dog walking, dog grooming, cat grooming, mobile dog grooming, mobile cat grooming, dog training, dog hydrotherapy, pet behaviourist, pet home boarding, pet microchipping and pet minding.
Make sure you have the correct insurance for the activities you offer and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Loss of Keys
Care, Custody & Control
Equipment
Close Family Extension
11 Pet Care Professions Covered
- Dog walking
- Dog and cat grooming
- Pet home boarding, Pet Sitting and Pet Minding
- Pet taxi and Pet Transportation
- Dog training and Pet behaviourist
- Pet microchipping
- Dog hydrotherapy
Public Liability
- Up to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Key Cover
- Key Cover up to £10,000.
- Cover includes new keys and locks, the cost of re-setting intruder alarms and associated call-out costs if you were to lose them.
Care, Custody & Control of Animals
- Cover up to £100,000 – £25,000 limit for any one Animal.
- If an animal in your care (or your staff) is: Accidentally lost; Suffers an injury; Becomes ill; Suffers a fatality.
Equipment
- £250 of equipment included.
- Add up to £30,000 of equipment cover.
- Grooming, training and other business tools covered.
- Protection against theft, loss and accidental damage, allowing you to replace items to the value you select.
Non-Negligent Cover
- Similar to the Care, Custody and Control protection If an animal suffers during the course of service delivery through no fault of your business:
- Accidental loss, Injury & Illness, Death of an animal in your care.
Close Family Extension
- Close family members are covered within the Public Liability, to assist you with your business. This includes your husband, wife, son, daughter or other close family.
- You don’t need to take out Employers’ Liability with this extension.
Loss of Money
- Cover for losses up to £1,000 or £5,000 of physical money (coins or notes) obtained through your insured activities. This money is covered while at your business premises, your home, or the home of any partner, director, or authorised employee, as well as when in transit for business trips.
- Up to £1,000 of cover for losses due to dishonest acts by any employee. Claims must be made within 14 days of discovering the loss, and you should take all reasonable steps to prevent such losses.
Travel Expense Reimbursement
- If a pet in your care is accidentally killed, stolen, or goes missing for more than 48 hours, we’ll cover the owner’s extra travel expenses. So, if the owner has to cut their holiday short because of their pet’s death, for example, we’ll reimburse up to £1,000 of their extra costs.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Legal Expenses
- Up to £100,000 indemnity for legal defence and tax protection.
- Access to 24-hour helpline, for legal, tax, or counselling, to support you in running your business.
Professional Indemnity
- Up to £1 million.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Personal Accident
- Up to £25,000, subject to those insured being under eighty (80) years of age.
- This policy covers specified individuals for any accidents that may occur while conducting the insured business activities. It is a benefit policy that provides fixed amounts based on the type of injury sustained, including coverage for accidental death, loss of sight or limbs, and temporary total disablement.
- Dog walkers are limited to walk a maximum of 6 dogs at one time.
- Dogs or crossbreeds of dogs classified under the Dangerous Dogs Act 1991. Refer to government websites for updates in the law.
- Pre-existing medical conditions in animals.
- Injuries to animals you own can occur during incidents that happen while caring for other animals or during your personal time.
- Caring for non-domestic animals.
- Your business operating without a licence when a licence is a mandatory requirement e.g. animal boarding.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need kennels and catteries cover?
Your clients have faith that you will take the utmost care of their pets during their time with you. Part of this responsibility is to plan for the unexpected, including when things go wrong.
Specialist kennels and catteries insurance is necessary protection for these unexpected incidents and is sensible preparation in case a claim is made against you, helping you avoid expensive financial losses.
Protects against claims should a member of the public get injured.
A dog in your care causes injury to a member of the public; a customer slips and injures themselves on your business premises; you cause accidental damage to your clients’ property whilst delivering your services.
Ensure that unexpected incidents don’t damage your finances with the right level of public liability cover.
An employee or temporary worker suffers an accident at work.
Your employees may be at risk of accidents or injuries during their work. If employees work for you, employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.
Financial protection from vet expenses.
No one wants anything bad to happen to an animal, but it’s important to be prepared just in case. Imagine if a dog you’re walking suddenly gets into a scuffle and injures another dog. These things can happen unexpectedly, and it’s crucial to be prepared.
Care, Custody, and Control insurance provides coverage for these situations, ensuring that you’re protected if an animal in your care accidentally injures another, needs medical attention, or even in more serious circumstances.
Cover from costly business equipment losses.
Not only could equipment be expensive to replace but any losses could also impact on the service you offer if it’s not available. For example, you may store pet beds and other items which could become damaged in storage.
Equipment cover can protect against costly claims from theft, damage or loss of your items.
Our experts explain why...
“Caring for an animal carries a risk and this is heightened further so when caring for another person’s animal, even if they are domestic. Our policy ensures that if that animal were to harm you, a person in your employment, a member of the public or themselves, that you can stay protected against potential financial losses related to reimbursing those that try to claim damages from you. Whether it be reimbursing the owner of the animal for vet bills arising from an injury when walking a dog or a claim costing thousands of pounds caused by a dog in your care, biting a member of the public, you can rest assure our claim experts will handle your claim with care and priority.”
Mandy Czyz, Protectivity Underwriter
How much does kennels and catteries insurance cost?
The cost of kennels and catteries insurance can vary depending on the type of business you operate, the size and additional factors. For instance, if you employ staff, it is a legal requirement to include employers’ liability insurance. Adding this will increase the cost of your premium.
Investing in kennels and catteries insurance is not just about protecting you and your organisation; it’s also about having the support to focus on your clients and developing your service knowing you have everything covered.
At Protectivity our cover starts at £5.41* per month, providing comprehensive cover for a small price.
Prices from
£5.41* a month
Explainer quote
Policy cost
£5.41* a month
Policy type
Kennels and Catteries Insurance
Policy duration
Annual
Public Liability
£1,000,000
Care, Custody and Control
£100,000
Equipment cover
£250
Close family cover
Included
This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your kennels & catteries insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Does boarding insurance need to include cover for multiple pets from the same household?
Yes. Boarding insurance typically applies to all animals in your care, custody & control. Your policy provides up to £100,000 cover, with a £25,000 limit for any one animal, so multiple pets from the same household would still be included under these limits.
Are seasonal workers or temporary staff automatically covered under employers’ liability?
Yes. Employers’ Liability (up to £10 million) protects you against claims if staff suffer a work-related injury, whether they are permanent, seasonal, or temporary. You must, however, declare all staff to your insurer to ensure accurate cover.
Should my policy reflect specific breed restrictions set by UK regulations?
Yes. Dogs classified under the Dangerous Dogs Act 1991 (and any updates) are excluded from cover. It is your responsibility to check UK government guidance and ensure your policy reflects these restrictions.
Am I covered for transporting pets in my care to vet appointments?
Yes. Pet Taxi & Transportation is covered, so taking animals to and from a veterinary practice is included within your policy protection, provided you are doing so as part of your insured business activities. This only covers the animal; we do not cover the vehicle they are being transported in.
Are third-party property damages included under my policy?
Yes. Public Liability (up to £10 million) covers third-party claims for injury or damage to their property, because of your business actions.
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This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 1st Oct ’23 to 30th Sep ’24
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. This discount does not apply to the optional “Legal Expenses” benefit. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data