Microchipping Insurance
From only £130.25 a year (monthly payment options available)
Quick Quote and BuyMicrochipping Insurance
From only £130.25 a year (monthly payment options available)
Quick Quote and BuyThis insurance policy is suitable for people and businesses who are looking to cover their public liability whilst microchipping animals and/or providing a microchip scanning service.
While you’re busy keeping pets safe, we’ll get busy taking care of your insurance.
Working with animals is a rewarding business but it can come with unforeseen risks. That’s why you need animal business insurance from a broker who understands how important it is to keep animals – and your microchipping business safe.
Keeping pets safe is your business. Safeguarding your business is ours.
Cliverton has over 50 years’ experience providing insurance for animal businesses like yours. Thousands of pets are lost every year, and many are never reunited with their owners.
You provide an invaluable service microchipping animals to give them the best chance of being identified and returned to their owners if they become lost or are stolen.
We provide an invaluable insurance service to properly protect your microchipping business.
As a team of animal lovers, Cliverton is committed to finding the right cover to keep your animal business safe while you microchip the cats and hounds to keep them safe.
- Public Liability £5,000,000
- Products Liability £5,000,000
- Care, Custody & Control unlimited cover
- Non-Negligent Cover unlimited cover
- Public Liability £10,000,000
- Products Liability £10,000,000
- Employers' Liability £10,000,000
- Equipment & Property
- Professional Indemnity £100,000, £250,000 or £500,000
- Personal Accident cover
- Events, Shows and Fundraising
- Public Liability £5,000,000
- Products Liability £5,000,000
- Care, Custody & Control unlimited cover
- Non-Negligent Cover unlimited cover
- Public Liability £10,000,000
- Products Liability £10,000,000
- Employers' Liability £10,000,000
- Equipment & Property
- Professional Indemnity £100,000, £250,000 or £500,000
- Personal Accident cover
- Events, Shows and Fundraising
POLICY INFORMATION
What is covered?
Microchipping services provided to the public for pets, including scanning services.
Public Liability
Designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence, for instance if a dog escapes and injures a member of the public.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Products Liability
This covers the business up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.
Care, Custody & Control unlimited cover
Cover is provided for any claim made against you for either injury, loss or death of an animal while in the care, custody or control of you or an employee. For example a pet is injured during the microchipping process.
Non-Negligent Cover (dogs only) unlimited cover
Cover incidents where there is no negligence or fault on the business’ part, but a third party still experiences a loss or injury. For example, whilst waiting for its owner a dog is put into a crate, whilst in there it bites the crate and breaks a tooth.
Employers' Liability (optional extra)
If you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as this will provide cover should they suffer an injury while at work. The amount of cover provided is £10 million. If you have or are thinking about having school age work experience, please contact us.
Equipment & Property (optional extra)
We can cover your organisation’s property and equipment, from small items (such as leads and stock) to large (such as hydraulic equipment). We are also able to arrange cover for commercial premises, business interruption, theft of money and your home, however if you run your business from your own home, we recommend you also notify your home insurer.
Personal Accident Cover (optional extra)
Provides financial compensation should the insured party be injured while carrying out business activities. You can choose from benefits of up to £250 per week.. This section includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.
Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.
Professional Indemnity (optional extra)
Protects your business should you offer professional advice for a fee, such as training students and the advice results in either a physical or financial loss. The resultant claims can be covered up to a standard of £500,000, however we are now able to offer lower levels of cover (£100,000 and £250,000) at reduced premiums.
Events, Shows & Fundraising (optional extra)
We can cover one-off and multiple events, shows and fundraising in connection to your business.
What is excluded?
Any activities outside of the UK, Northern Ireland or the Channel Islands, or any excess applicable.
Excesses
The following excesses are applicable to the business policy only.
Liability excesses
Public liability
Third party injury – Nil
Third party property damage – £100
Care, custody & control and Non Negligent -£50
Products liability – Nil
Employers’ liability – Nil
Property excesses
Buildings – £250
Contents – £100
Money – £100
Business interruption – Nil
All other property claims – £100
Personal accident – first 7 days of incapacity
IMPORTANT INFORMATION
Terms of Business LBSD v20 06.07.23
CLIVERTON_Provision of Services Statement 03.07.23
The Public Liability policy is underwritten by Certain Underwriters at Lloyd’s
Commercial Combined Policy Wording
Equipment & Property is underwritten by Ecclesiastical Insurance Office Plc.
Legal Expenses Policy is underwritten by ARAG plc.
