Domestic Animal Breeders Insurance

 The breeding of domestic animals and taking animals used for breeding to shows.

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 an animal 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.

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.

Cover is provided for any claim made against you for injury, loss or death of an animal while in the care, custody or control of you or an employee where there is liabilty. For example a dog in your care for breeding purposes is injured.

Covers incidents where there is no negligence or fault on the business’ part, but a third party still experiences a loss or injury. For example, a dog jumps up at the kennel door landing awkwardly and injures its leg.

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 while at work. The amount of cover provided is £10 million.

We can cover your organisation’s property and equipment, from small items (such as handheld equipment) to large (such as bedding and feedstuff). We are also able to arrange cover for commercial premises, business interruption, theft of money and your home.

If you are running your business from your own home, we recommend that you notify your home insurer

Protects your business should you offer professional advice for a fee, such as advising on training techniques, and it 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.

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.

More than one litter per breeding bitch per annum. Liability resulting from the sale of animals. Any animals owned by the business this includes prior to sale or being placed with new owner. Any animal subject to the Dangerous Wild Animals Act (DWAA), the use of any dogs which are classed as a banned breed or subject to a Dog Control Order. Injury to animals or property owned by you, the business or any employees. Any work outside of the UK or any excess applicable.

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

Terms of Business LBSD v20 06.07.23

CLIVERTON_Provision of Services Statement 03.07.23

Policy underwritten by Certain Underwriters at Lloyd’s..

Commercial Combined Key Facts.

Equipment & Property is underwritten by Ecclesiastical Insurance Office plc.

Commercial Combined Policy Wording

Legal Expenses Policy is underwritten by ARAG plc.

Legal Expenses – Key Facts

Legal Expenses Policy Wording