Dog trainers and animal behaviourists insurance

Policy information

This insurance policy is suitable for people and businesses who provide dog training. This includes classes, one to one sessions and training clubs.

What insurance do I need?

There are five main types of insurance you need if you run a dog training or behavioural 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 for the same amount as the selected Public Liability if injuries or damages arise as a result of a defective product that your business supplies. Please note that this does not cover you for the sale of products, please contact us for more information about retail sales.

Care, custody and control – 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 liability. Cover is in line with the selected Public Liability amount (either up to £5 million or £10 million).

Non-negligent cover – 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 gun dog is being trained and it falls down a rabbit hole breaking its leg.

Member to member – provides cover should a member, participant or a trainee be responsible for causing injury to a third party or damage to a third party’s property.

What is covered?

Dog training – such as puppy classes, obedience or agility training
Dog training clubs – if your club has a committee with a treasurer or secretary, please visit our dog clubs policy page
Residential dog training – if a dog is trained while staying with you
Gun dog training – this policy includes the use of guns for field trails and attending field trails. Please obtain separate personal liability for your firearms
Dog agility clubs – this can include fly ball, hoopers, man trailing and agility work
Security and specialist detection dog training – such as search and rescue dogs, drug dogs or general purpose security dogs. We can also arrange a more specialist policy if you are carrying out these activities.

What is excluded?

Any excess applicable
Any animal subject to the Dangerous Wild Animals Act (DWAA)
Any cover for Banned Breeds in a group setting
Any activities outside of the UK, Northern Ireland or the Channel Islands

What optional extras can I add?

Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance. This will provide cover should a helper get injured and you are deemed liable. The amount of cover provided is £10 million.
If you have or are thinking about having school age work experience, please contact us.

Personal accident – provides financial compensation if the insured party is unable to work due to an injury or illness, lasting for more than 7 days. If you already have a public liability policy through us, you can add this cover to your existing policy.

Please note that this does not cover any pre-existing conditions or illness.

Professional indemnity – protects your business should you offer professional advice for a fee. For example, advising on training techniques or behavioural issues and it results in either a physical or financial loss. The resultant claims can be covered up to a maximum of £500,000, however lower levels of cover (£100,000 and £250,000) are available at reduced premiums. Please note, this section does not apply to online courses or banned dog breeds.

Events, shows and fundraising – we can cover one-off and multiple events, shows and fundraising in connection to your business. We automatically include five events free of charge. Should you require more, there will be an additional charge.

Equipment and commeercial buildings – cover for your organisation’s property and equipment. This can include handheld small items to larger pieces of furniture and machinery. We are also able to source cover for commercial premises, business interruption and theft of money. Please contact us to request a proposal form for any equipment and property cover.

Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.

How much are the policy excesses?

The following excesses are standard policy excesses. However, please refer to your schedule for specific excesses for your policy.

Liability excesses

Public liability
• Third party injury – nil
• Third party property damage – £100
• Care, custody and control and non-negligent – £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

IMPORTANT INFORMATION

Terms of Business
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Provision of Service Statement
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The public liability policy is underwritten by Aspen Managing Agents Ltd, syndicate 4711.

Equipment and property is underwritten by Ecclesiastical Insurance Office plc.

Commercial Combined Key Facts

Combined Liability Policy Wording
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Legal expenses policy is underwritten by ARAG Legal Expenses Insurance Company Limited.

Legal Expenses Policy Wording
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Important information about our direct debit payment option

Insurance terms explained

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

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“Thank you so much for all of your help, you've truly been amazing.”

Laura Bridle,
pet minder

Dog trainers and behaviourists insurance

Cover as unique as your business

Safeguarding your passion

Policy information

MEMBER DISCOUNT

Meet Steph, Account Handler and dog lover

FACT SHEET
Insurance cover for trainers and behaviourists

NOT READY TO BUY?

Did you know we also sell home insurance?

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LEGALS

Dog trainers and behaviourists insurance

Cover as unique as your business

Safeguarding your passion

Policy information

MEMBER DISCOUNT

Meet Steph, Account Handler and dog lover

FACT SHEETInsurance cover for trainers and behaviourists

NOT READY TO BUY?

Did you know we also sell home insurance?

CONTACT US

LEGALS

FACT SHEET
Insurance cover for trainers and behaviourists