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Domestic Animal Breeders Insurance

From only £166.20 per year

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

Enquire Now

Domestic Animal Breeders Insurance

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

Enquire Now

Whether you are a dog, cat or even a snake breeder Cliverton are able to arrange for you a bespoke public liability policy. The policy will also provide you with cover for other people’s animals should they be used by your business for the purpose of breeding.

This product is suitable for people and business who are looking to cover Public Liability for domestic animal breeding.

What’s included
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Care, Custody & Control unlimited cover
  • Non-Negligent cover unlimited cover
Optional
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers’ Liability £10,000,000
  • Professional Indemnity £500,000
  • Equipment & Property
  • Personal Accident cover
  • Events, shows & fundraising
  • Legal Expenses (separate policy available)
  • 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
  • Professional Indemnity £500,000
  • Equipment & Property
  • Personal Accident cover
  • Events, shows & fundraising
  • Legal Expenses (separate policy available)

POLICY INFORMATION

Business Activities Covered

  • Dog, Cat and Domestic Animal Breeding

The policy provides Public Liability for your dog breeding activities should a member of the public be injured or if their property is damaged.

  • Taking Animals to Shows

If you attend shows as a breeder to show your animals, our policy will cover the Public Liability should injury be caused to a third party or their property.

We are able to arrange cover for breeding of most animals, please contact the office for further information.

Public Liability

This covers claims arising from the actions of you, an Employee or an animal owned by the business which has resulted in injury to a third-party or damage to their property due to negligence.

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

Products Liability

This section of the policy covers you for claims arising from products supplied by you during the course of your business activities.

The limit of £5,000,000 is standard and is included as part of the Public Liability for no additional charge.

Care, Custody & Control unlimited cover

Cover is provided for any claims made against you for either injury, loss or death of an animal whilst in the care, custody or under the control of you or an employee.

This however will not cover any animal owned by you or the business.

Non-negligent Cover unlimited cover

This provides cover for any claims made against you for the injury, loss or death of a dog due to an accident where you or an employee are not at fault.

This however will not cover any animal owned by you or the business.

Employers’ Liability (optional extra)

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.

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, bedding and feedstuff 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.

Professional Indemnity (optional extra)

If you give professional advice as a service for a separate fee and the advice is incorrect or results in either a physical or financial loss, we will cover claims arising up to £500,000.

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 accident 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.

Events, Shows & Fundraising (optional extra)

Where you organize events, shows or fundraising in connection with your business, we are able to arrange the Public Liability.

We are able to offer arrange for just the one event or multiple events depending on your requirements.

If you attend shows as a breeder to show your animals, this is normally covered, however, please do make us aware.

Legal expenses (optional extra)

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 dogs which are classed as a banned breed.
  • Any dogs subject to a Dog Control Order
  • Injury to animals owned by you or the business
  • Any animal subject to the Dangerous Wild Animals Act (DWAA)
  • 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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