Dog Day Care, Dog Day Creche Insurance

The policy covers the following activities:

• Doggy daycare (if you are looking after other people dogs in a commercial premises)
• Dog walking (off-site walks while dogs are in your care)
• Pet taxi (cover for animals in transit during a collection and delivery service)
• Home boarding (looking after other people’s animals overnight at yours or your employee’s home).

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.

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 a dog while in the care, custody or control of you or an employee where there is liability.

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, the owner was not aware of the allergy.

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.

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

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.

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.

We can cover one-off and multiple events, shows and fundraising in connection to your business.

• Any excess applicable.
• Any work outside of the UK.
• Cover for animals subject to the Dangerous Wild Animals Act (DWAA) or any dogs which are classed as a banned breed.
• Cover for your or your employees own animals or property.

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
  • Loss of Keys £25
• 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

The Public Liability policy is 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