As a pet business owner, by definition, you are working with animals on a regular basis. Because of this, ensuring you have cover for the care, custody and control of these animals in your care is essential.

This comes as standard within our insurance policy and provides you with protection should one of your client’s pets get injured, go missing or even die whilst in your care.

Under your Pet Business Insurance policy, you will be covered for up to £50,000 for the animals you are in charge of (up to £25,000 per animal). There is an excess of £50 on each policy for any care, custody and control claims made, but having the cover in place could save you a huge amount of money were something to happen to a client’s pet.

Real examples of Care, Custody & Control cover

Take a look at some of the real claims we have received from our customers under the Care, Custody and Control benefit.

    • Whilst being walked off-lead, a dog was struck by a car. The accident caused the dog to suffer a broken jaw and hind leg injuries. Having insurance in place meant that our insured was covered for the £9,000 in vet fees that ensued because of the treatment the dog subsequently needed.


    • The cover also helps dog groomers as well as walkers. One groomer was grooming a dog’s head when the animal moved suddenly. As a result, our insured accidentally cut the top of the dogs ear. Here, £400 of vets bills were covered under the groomer’s insurance.


  • Sometimes injuries and subsequent vet fees are not the fault of the pet business owner. One dog walker found that out, when a dog she was walking was attacked by another in her care. Injuries to the dog’s hind leg required treatment including a skin graft, with the total claim coming to around £3,500.

Knowing some of the very real scenarios that you could find yourself in as a pet business owner helps to appreciate what having Care, Custody and Control cover means for you.

There are however, some exclusions as to what is protected by this cover. For example, Care, Custody and Control insurance doesn’t include your own animals, pets with existing medical defects, disability or condition or when you are judged to have been in breach of your professional duty.

To get a quote to protect your pet business against potentially costly liability claims, click here to access your quote and get cover in just a few minutes.