
Whether you’re breeding Pugs or Pekingese, we know it’s more than just a hobby – it’s a passion. That’s why with domestic animal breeders insurance, you can continue doing what you love knowing you’re protected by a team that’s just as enthusiastic about animals as you are.
GET A QUOTEAs a breeder, you put your heart and soul into raising happy and healthy animals. But breeding animals isn’t without its challenges.
With over 50 years’ experience, we’ve been working with breeders like you for a long time. That means we’re well-placed to source domestic animal breeding insurance that’s flexible to your requirements.
So, whether you're a breeder of cats, dogs, birds or reptiles, we're here to arrange the cover you need to protect your business and animals.
This insurance policy is suitable for people and businesses who are looking to cover public liability for dog, cat and domestic animal breeding. It not suitable for those looking to cover vet fees for their own animals.
There are four main types of insurance you need if you are a domestic animal breeder. All are included in our 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.
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 – cover 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 dog jumps up at the kennel door, lands awkwardly and injures its leg.
Public liability for third parties coming onto your premises in relation to the breeding activities, for example for viewing the puppies. Cover also includes taking animals used for breeding to shows. Dog breeding cover is subject to holding a licence.
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 maximumof £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.
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

I’m Lizzy, and I grew up surrounded by a whole array of animals - including, dogs, alpacas, sheep and horses. I studied Animal Science and Bioscience at Aberystwyth university before travelling, volunteering and finally joining Cliverton in November 2023.
In my spare time you can find me out on a ride with the horses or exploring new trails with my faithful fluffy companion Winston (a Basset hound).
I can honestly say that no day is the same here and that there is always a friendly four-legged friend to greet you each morning at the door!
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