
Owning a pet shop or café can be a purr-fect job but juggling multiple animals with business administration can be time-consuming.
Here at Cliverton, our team of animal lovers can help take the hassle out of insurance so you have time to focus on what matters.
Accidents can happen when you least expect them, especially when dealing with the public on a daily basis. That’s why with flexible pet shop business insurance, you can be sure your organisation is protected should the worst happen.
This insurance can provide cover from customer accidents and stock damage to theft and employee injury. It’s also as flexible as a cat’s whiskers meaning you can customise your cover to fit your unique business needs.
From their purring snores to wagging tails, pet cafés can bring joy and comfort to those who walk through the doors – including you.
But running a café isn’t all about the cuddles (although it’d be nice if it was!) A vital part is managing and preventing risks to you, your customers and your business.
With the right insurance, you can rest easy knowing that you're covered for any unexpected accidents or mishaps that may occur, from damaged property to an injured customer.
With over 50 years’ experience, we know pet cafés inside out, so rest assured that we can guide you through your insurance in the most friendly and efficient way possible.
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This insurance policy is suitable for those who run a pet shop or pet café business and wish to protect their business and liability to the public. This policy is not suitable for those who sell animals or animals owned by the business.
There are two main types of insurance you need if you run a pet shop or café. Both are included in our insurance policy.
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 visitor slips and injures themselves.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Products liability – this covers your shop or café for the same amount as the selected Public Liability cover if injuries or damages occur as a result of a defective product that the shop or café had supplied, such as if pet food made a dog ill.
Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance. This will provide cover should a helper get injured and you are deemed liable. The amount of cover provided is £10 million.
If you have or are thinking about having school age work experience, please contact us.
Equipment and commercial buildings – cover for your organisation’s property and equipment. This can include handheld small items to larger pieces of furniture and machinery. We are also able to source cover for commercial premises, business interruption and theft of money. Please contact us to request a proposal form for any equipment and property cover.
Personal accident – provides financial compensation if the insured party is unable to work due to an injury or illness, lasting for more than 7 days. If you already have a public liability policy through us, you can add this cover to your existing policy.
Please note that this does not cover any pre-existing conditions or illness.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
The following excesses are standard policy excesses. However, please refer to your schedule for specific excesses for your policy.
Public and products liability
Property damage
Terms of Business
Provision of Service Statement
The public liability policy is underwritten by Aspen Managing Agents Ltd, syndicate 4711.
The equipment and property policy is underwritten by Ecclesiastical Insurance Office plc.
Commercial Combined Key Facts
Combined Liability Policy Wording
Legal expenses policy is underwritten by ARAG Legal Expenses Insurance Company Limited.
Legal Expenses Policy Wording
Important information about our direct debit payment option
We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.
Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics.
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage.
Common ownership – the use of land by one or more people, which is owned by someone else
DWAA – Animals listed on the Dangerous Wild Animals Act 1976
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''I’m a Trainee Account Handler at Cliverton and often one of the first people you’ll speak to when you get in touch. I support the team with administration and enjoy helping customers. I’m new to the insurance world, but I’ve spent the last 7 years working in customer service, so I’m used to meeting all kinds of people and making sure they feel looked after.
When I’m not at work, I enjoy cooking, going for walks and spending time with my family. I’m also a proud cat owner to two very spoiled cats, who certainly keep me entertained when I’m at home.''