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Exotic Animals Insurance

From only £166.20 per year

Or 9 monthly payments of £20.31 (total repayable £182.82)

Enquire Now

Exotic Animals Insurance

From only £166.20 per year Or 9 monthly payments of £20.31 (total repayable £182.82)

Enquire Now

Cliverton can arrange an exotic animals insurance policy that provides public liability cover for exotic animals that are kept as pets. An “exotic” animal would usually be subject to a degree of licensing and/or control overseen by DEFRA.

Please be aware we are unable to arrange insurance for any injury, loss or death of your animals, this policy is suitable if you are looking for Public Liability for your exotic pet.

What’s included
  • Public Liability £5,000,000
  • Products Liability £5,000,000
Optional
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Property & Equipment
  • Legal expenses (Separate policy available)
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Property & Equipment
  • Legal expenses (Separate policy available)

POLICY INFORMATION

What will the policy cover?

This policy provides Public Liability for any injury to a third party or damage to their property which has been caused by your animal.

This policy will not cover any injury to the animal itself.

 

Public Liability

This covers claims arising from the actions of you or your animal which has resulted in injury to a third-party or damage to their property due to negligence.

The standard limit is £5,000,000; this can be extended to £10,000,000 for an additional premium.

Products Liability

This section of the policy covers you for claims arising from products supplied by you during the course of your business activities.

The limit of £5,000,000 is standard and is included as part of the Public Liability for no additional charge.

Employers' Liability (optional extra)

Where you have paid, voluntary or self-employed helpers working for you in connection with your animal, it is a legal requirement that you have Employers’ Liability insurance.

This will provide cover in the event of them being injured whilst working for you due to your negligence.

The amount of cover provided is £10,000,000.

Equipment & Property (optional extra)

You can add cover for business property and equipment to your policy. This can include most items used for your business ranging from small items such as hand held equipment and stock to large items such as ride on lawn mowers and office equipment.

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

Legal Expenses (optional extra)

This is a separate policy running alongside your main business policy and will provide cover unexpected Legal Expenses relating to your business. These could relate to employment disputes, property and landlord disputes, contract disputes, tax protection or regulatory compliance and much more. It also provides a 24 hour legal and tax advice helpline along with an online hub of document and contract templates.

What is not covered?

  • Any vets bills in relaion to any animal owned by you.
  • Any damage to your property caused by your animal
  • Any injury to your immediate family caused by any animal scheduled under the DWAA
  • Any excess applicable

Excesses

The following excesses are applicable to the  policy only.

Liability Excesses

  • Public Liability
    • Third party injury – Nil
    • Third party property damage – £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

For the excesses applicable to the Legal Expenses policy please click here

IMPORTANT INFORMATION

Service Statement

Terms of Business

The Public Liability policy is underwritten by Aspen Insurance UK Limited.

Insurance product Information Document 

Equipment & Property is underwritten by Ecclesiastical Insurance Office plc.

Equipment & Property Key Facts

Legal Expenses Policy is underwritten by Markel International Insurance Company Limited.

Legal Expenses – Key Facts

Legal Expenses Policy Wording

 

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