Public Liability Explained

If someone claims that you have caused them injury or damaged their property, you could find your business being sued. With between £1 million and £10 million worth of public liability cover included with all of our Pet Business Insurance policies, the costs associated with this will be taken care of by us (excluding a £100 excess).

So for example, if a dog you were walking was to bite a member of the public and they blame you for it, you could be covered. If you are deemed to be liable, we would cover the defence costs, plus all sums that you may subsequently be liable to pay as damages.

The same principle would be applied if the damage was caused to a third party’s property. Regardless of whether it was you or a dog you are walking that caused the damage if you are deemed to be blamed in some way, public liability cover will protect you. See below some instances whereby having the required liability cover in place can compensate for the costly legal expenses.

Public liability cover forms a vital part of any Pet Business Insurance policy and can save you from substantial financial problems. To get a quote to protect your pet business against potentially costly liability claims head over to our Pet Business Insurance page.

Examples of what Public Liability covers

Whilst walking a dog, an insured lost control of a dog which preceded to run away. The dog then collided with a third party who was jogging, causing them to fall. The accident resulted in the jogger breaking their hip and subsequently sought compensation from the dog walker.

Another dog walker made a claim after a dog in their care attacked a third party’s dog. The injured animal required veterinary treatment which was covered by the dog walker’s Public Liability insurance.

Discover what else our Pet Business Insurance includes

Equipment Cover

Learn why loosing your tools of the trade can have a severe effect on your business, both financially and operationally.

Care, Custody & Control

Provides you with protection should one of your client’s pets get injured, go missing or even die whilst in your care.

Non-Negligent Cover

If an animal in your care was to injure itself and require treatment, we will cover some of the costs.

Employers' Liability

Read why employers' liability insurance is essential if you employ paid staff or volunteers.

Key Cover

Learn why it is important to protect your business against the costly risk of losing your clients keys.

Get a Pet Business Insurance quote

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