
As a dog walker, you’ll be used to the unpredictable nature of your furry clients. But when it comes to protecting your business, you don’t want any shocks or surprises. That's where dog walkers insurance comes in.
GET A QUOTE & BUYHere at Cliverton, we’re not just a team of insurance professionals – we’re dog lovers too.
With many of our staff owning pooches, we know what it's like to have a furry friend by your side and understand the joy that comes with walking dogs. That's why we're dedicated to sourcing flexible dog walker insurance that protects your business should the unexpected happen.
This insurance policy is suitable for people and businesses who wish to cover their public liability whilst walking dogs. It is not suitable for people wishing to insure their own dog.
There are five main types of insurance you need if you run a dog walking 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, if a dog in the walker's care is injured by a dog belonging to a third party.
Loss of keys – if you are looking after a customer’s keys as part of your business, there is cover should the keys be lost or stolen from either you or an employee or locked in a building. Cover is up to £10,000.
The policy will cover you to walk a maximum of 6 dogs at any one time and includes walking dogs off lead (the owner’s written consent is required). We can also arrange pet taxi, collection and delivery of the animals. Please note there is no cover in place for human passengers.
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.
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 commercial 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.
The following excesses are standard policy excesses. However, please refer to your schedule for specific excesses for your policy.
Liability excesses
Property excesses
Terms of Business
Provision of Service Statement
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
Legal expenses policy is underwritten by ARAG Legal Expenses Insurance Company Limited.
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 day care 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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