FAQ Category: Pet Business Insurance

You are not obliged to keep specific records, but it could be useful in the event of claim against you.

Yes, if you need to change your liability limit or add employers’ liability this can be amended but it will affect the price of your policy.  Furthermore, once added it cannot be removed until the end of your policy or you cancel the policy.

Yes, if you add new services, you need to amend your policy so these activities are listed. Our policy can cover 14 different pet care activities on one policy. (Although, you are automatically covered for the following activities as long as they are under the same business name):

• Dog Walking (For walking up to six dogs)
• Dog and Cat Grooming
• Dog Hydrotherapy
• Dog Training
• Pet Behaviourist
• Pet Boarding
• Pet Microchipping
• Pet Minding
• Pet Sitting
• Pet Taxi
• Pet Transportation

Immediately – you are covered as soon as you’ve paid for your policy and receive your documentation.

Cover is only provided for:

• Hand scissoring
• Clipping
• Wash & blow drying
• Hand stripping
• De-shedding
• Nail cutting
• Ear plucking & cleaning
• Anal gland expression
• Pet tooth brushing

Any grooming activities outside these specified services are excluded.

• No cover for breeding activities or vaccinations
• No cover for theft/disappearance unless animal missing for more than 7 consecutive days
• No cover for the insured’s own animals

No coverage for dangerous dogs as classified under Dangerous Dogs Act 1991 including:

• Pit Bull Terriers
• Japanese Tosas
• Dogo Argentinos
• Fila Brazilieros
• Any crossbreeds of these dogs
• No cover for horses or any animal that is not kept in a domesticated environment or for companionship.

• Strict limit of maximum 6 dogs per handler at any one time
• This applies whether dogs are on or off lead
• Exceeding this limit may invalidate your insurance

No cover if you don’t hold a valid Animal Boarding Establishment Licence when required by local authority.

You must comply with specific boarding conditions including:

• Suitable accommodation requirements
• Adequate food, drink and bedding provision
• Regular exercise requirements
• Emergency safeguarding procedures
• Infectious disease protection measures

If you employ any of the following members of your family, they too will be covered for Public Liability under your policy as standard. You do not need to take out Employers’ Liability to cover those family members either. If however, your business is a limited company and the family members are directors, the close family extension will not apply.

Family members included: Husband, wife, civil partner, father, mother, grandfather, grandmother, stepfather, stepmother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother, sister, half-brother or half-sister.