Owning a day care can be fun, rewarding and often chaotic – but it doesn’t come without its risks. Our dog day care insurance policy is designed to give you peace of mind so you can focus more on your doggy duties and less on safety worries.
GET A QUOTE & BUYFrom making sure every pooch gets enough playtime to sorting out teatime, we understand a lot of work goes into running a doggy day care. But even with all the care and attention in the world, accidents can happen.
That’s where we come in. With more than 50 years’ experience, we know how to protect your business, with dog day care insurance working as a safety net should the unexpected happen.
Our team of dog lovers will work with you to understand the ins and outs of your business. We want to make sure you have the protection you need to keep you, your business and your furry visitors safe.
This insurance policy is suitable for people or business who wish to cover their public liability whilst they are running a doggy day care facility. It does not provide cover for any animals belonging to you.
There are five main types of insurance you need if you run a dog day care business. All are included in this 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 dog 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.
Products liability – this covers the business up to £5 million if injuries or damages arise as a result of a defective product that your business has supplied.
Care, custody and control – cover is provided for any claim made against you for injury, loss or death of a dog while in the care, custody or control of you or an employee where there is liability.
Non-negligent cover – covers incidents where there is no negligence or fault on the business’ part, but the owner of an animal in your care still experiences a loss. For example, a dog in your care has an allergic reaction to some food and the owner was not aware of the allergy.
Loss of keys – if you are looking after a customer’s keys as part of your business, we provide cover should the keys be lost or stolen from either you or an employee.
The policy covers the following activities:
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, 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.
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.
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
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
View our Dog walking or Pet sitting cover.
"I have one dog called Doug, a Cocker Spaniel - but I would have hundreds if I could! We love going for long walks on the beach or in the pinewoods.
My favourite thing about working at Cliverton is the team - including all of our 4-legged friends who are in the office daily. We have such a great work dynamic, and all share the same passion when it comes to our customers and our love of animals.”
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