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Animal Mortality & Pet Crematorium Insurance

From only £166.20 per year

Or 9 monthly payments of £20.31 (total repayable £182.82)

Enquire Now

Animal Mortality & Pet Crematorium Insurance

From only £166.20 per year Or 9 monthly payments of £20.31 (total repayable £182.82)

Enquire Now

This policy is suitable for you if you run a pet crematorium or provide animal mortality services and are looking to cover the Public Liability, our policy can also include cover for your buildings and equipment. Cliverton can also arrange a separate commercial Legal Expenses policy.

What’s included
  • Public Liability £5,000,000
  • Products Liability £5,000,000
Optional
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers’ Liability £10,000,000
  • Equipment & Property
  • Personal Accident
  • Legal Expenses (seperate policy available)
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers’ Liability £10,000,000
  • Equipment & Property
  • Personal Accident
  • Legal Expenses (seperate policy available)

POLICY INFORMATION

Public Liability

This covers claims arising from the actions of you or an employee which has resulted in injury to a third-party or damage to their property due to your negligence.

The standard limit is £5,000,000; this can be extended to £10,000,000 for an additional premium.

Products Liability

You can add cover for business property and equipment to your policy. This can include most items used for your business ranging from small items such as hand held equipment and stock to large items such as ride on lawn mowers and office equipment.

We are also able to arrange additional cover for commercial premises, business interruption, theft of money and your home.

Employers’ Liability (optional cover)

Where you have paid, voluntary or self-employed helpers working for you in connection with your business, it is a legal requirement that you have Employers’ Liability insurance.

This will provide cover in the event of them being injured whilst working for you due to your negligence.

The amount of cover provided is £10,000,000.

Personal Accident Cover (optional extra)

By including Personal Accident cover under your policy you will be provided with a weekly benefit in the event of you suffering an injury whilst carrying out your business activities.

You can choose from benefits of £100 per week payable for 104 weeks or £250 per week payable for 52 weeks. This section of cover also 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.

Equipment & Property (optional extra)

You can add cover for business property and equipment to your policy. This can include most items used for your business ranging from small items such as hand held equipment and stock to large items such as the furnace and office equipment.

We are also able to provide additional cover for commercial premises, business interruption, theft of money and your home.

Legal Expenses (optional cover)

This is a separate policy running alongside your main business policy and will provide cover unexpected Legal Expenses relating to your business. These could relate to employment disputes, property and landlord disputes, contract disputes, tax protection or regulatory compliance and much more.

It also provides a 24 hour legal and tax advice helpline along with an online hub of document and contract templates.

What is not covered?

  • 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
  • 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

For the excesses applicable to the Legal Expenses policy please click here

IMPORTANT INFORMATION

Service Statement

Terms of Business

The Public Liability policy is underwritten by Aspen Insurance UK Limited.

Insurance product Information Document 

Equipment & Property is underwritten by Ecclesiastical Insurance Office plc.

Equipment & Property Key Facts

Legal Expenses Policy is underwritten by Markel International Insurance Company Limited.

Legal Expenses – Key Facts

Legal Expenses Policy Wording

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What our customers think

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