Kennels & Catteries Insurance
Specialist cover at a low-cost for kennels, catteries and pet boarding businesses from £5.41* a month.
- Protecting over 35,000 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
Residential Care Protection
Care, Custody and Control (Vet Fees)
- Up to £100,000 cover (£25,000 per animal).
- This is a cornerstone for boarding establishments. It covers the cost of veterinary treatment if an animal is injured or becomes ill during their stay. Whether it is an injury sustained in an exercise run or a sudden illness while in their unit, we ensure the animal receives the care they need.
Non-Negligent Cover
- Even in a well‑managed boarding environment, unexpected health issues can occur despite every precaution being taken. This non‑negligent cover is designed to protect your business if a pet becomes ill or injured during their stay through no fault of your facility.
- It helps prioritise the pet’s welfare by supporting veterinary costs arising from accidental injury, sudden illness, or other unforeseen incidents, without automatically assuming negligence on your part.
Travel Expense Reimbursement
- If a pet in your care suffers a serious incident and the owners need to abandon their holiday to return to the UK, we can provide up to £1,000 to reimburse their emergency travel costs.
Premises and Liability Cover
Public Liability
- Up to £10 million cover.
- This protects your kennel business if a member of the public is injured on your premises, or if an animal escapes your facility and causes damage or injury to a third party.
- It is designed to support you if an incident occurs where your business is found legally responsible, helping you manage potential claims and continue operating with confidence.
Loss of Keys
- Up to £10,000 cover.
- If you provide a collection service or hold keys for regular clients, we cover the costs of replacing locks and resetting alarms if those keys are lost or stolen while in your possession.
Loss of Money
- Boarding fees can involve significant cash transactions. We can protect up to £5,000 of your business money against theft or loss while held at your premises, your home, or during transit to the bank.
Protecting Your Facility
Equipment Cover
- £250 included as standard (options to increase up to £30,000).
- Beyond standard fixtures, we protect the essential tools of your trade. This includes specialised cleaning machinery, high-grade agility equipment, temperature monitoring systems, and professional-grade crates or bedding against theft or accidental damage.
Close Family Extension
- Most kennels and catteries are family-run. This extension ensures that those deemed as close family (husband, wife, sons, daughters etc.) are covered under your Public Liability while they are assisting with the daily running of the business, without the immediate need for Employers’ Liability.
Employers’ Liability – up to £10 million
A legal requirement if you employ kennel staff, cleaners, or any other staff to help manage your boarding facility.
Legal Expenses – up to £100,000
Includes a 24-hour helpline to assist with the complexities of running a residential business, including employment law, health and safety regulations, and tax protection.
Professional Indemnity
Protects you if a client claims your professional advice or a failure in your boarding protocols led to a financial loss for them.
Personal Accident
Provides financial support if you are injured on-site and are unable to manage the day-to-day operations of the kennels or cattery
- Dangerous Dogs: We cannot provide cover for dogs or crossbreeds listed under the Dangerous Dogs Act 1991.
- Mandatory Licensing: Claims arising if your facility is operating without a valid local authority boarding licence.
- Communicable Diseases: Outbreaks of certain infectious diseases where required preventative measures or vaccinations (such as Kennel Cough) were not in place.
- Pre-existing Conditions: Any medical issues or injuries that an animal was suffering from before they were checked into your facility.
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 05/01/2026. 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 180,000 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 05/01/2026. 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 2007 to Dec 2025
ˆ10% introductory discount applies to the first-year policy premium only and is not available to current Pet Business customers. This discount does not apply to the optional Legal Expenses benefit. Protectivity reserves the right to amend or withdraw this offer without notice. Available to UK residents only.
¹Based on live Feefo data