Just like you, we share our passion for animals with others. Animal educational talks insurance that gets top marks is vital so you can continue to inspire and teach with confidence, knowing that you're fully protected.
GET A QUOTE & BUYWe know that animal educational talks can be unpredictable and full of surprises. That’s where animal educational talks insurance comes in – it’s a safety net for the unexpected. Whether it’s a misplaced claw or an over-excited audience member, we’ve got you covered.
The policy is as adaptable as a chameleon, catering to your specific needs. Plus, our friendly team of animal enthusiasts are here every step of the way to help with any questions you may have.
When you’re covered with animal educational talks insurance, you can focus on what’s important: inspiring the next generation of animal lovers.
This insurance policy is suitable for those who use animals as a business or on a voluntary basis for educational purposes and are wishing to cover the public liability. It is not suitable for those who wish to insure the animals for injury, illness, loss or death.
There are two main types of insurance you need if you run an animal educational talks business. 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 member of the audience is bitten by one of your animals.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Products liability – this covers the club up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.
Cover includes the following:
This policy cannot cover people who are offering pony parties or pony rides. Should you be offering this service, please click here.
It excludes any animal subject to the Dangerous Wild Animals Act (DWAA) and the use of any dog classed as a banned breed or dogs subject to a Dog Control Order. It also excludes injury to any animal owned by the business or an employee, supply or use of bouncy castles, horse, pony or donkey rides or any excess applicable.
Employers’ liability – 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.
Personal accident – 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 – protects your business should you offer professional advice for a fee. For instance, whilst hosting an A level field trip you provide sheets with incorrect information on them for student study material and it results a financial loss. The resultant claims can be covered up to a standard of £500,000, however we are able to offer lower levels of cover (£100,000 and £250,000) at reduced premiums.
Events, shows and fundraising – we can cover one-off and multiple events, shows and fundraising in connection to your business.
Equipment and property – we can cover your organisation’s property and equipment, from small items (such as handheld equipment) to large (such as office equipment). We are also able to arrange cover for commercial premises, business interruption, theft of money and your home. If you also need cover for your equipment or property, please contact us.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
The following excesses are applicable to the business policy only.
Liability excesses
Property excesses
Terms of Business
Provision of Service Statement
The public liability policy is underwritten by Certain Underwriters at Lloyd’s.
Equipment and property is underwritten by Ecclesiastical Insurance Office plc.
Commercial Combined Key Facts
Combined Liability Policy Wording
Notice to policy holders - September 2024
Legal expenses policy is underwritten by ARAG plc.
Legal Expenses – Key Facts
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
I work in the small animal’s team, dealing with a number of different animal-related businesses every day. Having grown up with a dog, and now being fortunate enough to look after a wide range of animals such as donkeys and sheep, I understand the risks that come with working with animals and why it is so important to make sure we have adequate cover.
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