Dog walking fields insurance

Policy information

This product is suitable for those who require public liability insurance for hiring out a dog walking field. It is not suitable for people wishing to cover a dog walking business.

What insurance do I need?

There are two main types of insurance you need if you operate a dog walking field business. Both 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 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.

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.

What is covered?

Business activities include the hire of walking or training fields to individuals on a booking basis.
Fields must be securely fenced (minimum of 6 foot high) with gated access.
You must inspect the land regularly

What is excluded?

Damage to property owned by yourself or an employee of your business
Any park or field outside of the UK, Northern Ireland or the Channel Islands
Land containing public footpaths or water hazards i.e. ponds, lakes etc. These may be covered subject to additional information being obtained
Any excess applicable

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..

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.

How much are the policy excesses?

The following excesses are applicable to the business policy only. 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 & control and non-negligence - £100
Products liability – nil
Employers’ liability – nil

Property excesses

Buildings – £250
Contents – £100
Agility equipment – £250
All other property claims – £100
Personal accident – first 7 days of incapacity

IMPORTANT INFORMATION

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

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 madeCompensation – 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.

“I appreciate your quick response to my query, your helpfulness, professionalism and thoroughness. I was so impressed with the service.”

Ryan & Alison Kay

Dog walking fields insurance

Cover as unique as your business

Playing it safe with dog walking fields insurance

Policy information

Meet Harriet, Senior Account Handler, Small Animal Team

GUIDE
5 ways to help dogs with separation anxiety

NOT READY TO BUY?

Did you know we also sell home insurance?

CONTACT US

LEGALS

Dog walking fields insurance

Cover as unique as your business

Playing it safe with dog walking fields insurance

Policy information

Meet Harriet, Senior Account Handler, Small Animal Team

GUIDE5 ways to help dogs with separation anxiety

NOT READY TO BUY?

Did you know we also sell home insurance?

CONTACT US

LEGALS

GUIDE
5 ways to help dogs with separation anxiety