Pet Physiotherapy, Pet Hydrotherapy and Animal Massage Insurance

Public liability whilst providing pet physiotherapy (for example, post-operative veterinary referrals), pet hydrotherapy, animal massage, non-invasive animal therapies, Reiki and Tellington Touch therapy.

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 member of the public slips whilst walking alongside the pool.

The standard limit is £5 million, but it can be extended to £10 million for an additional premium.

This covers the club up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied. Please note, this is not cover for retail sales where you sell any products.

Cover is provided for any claim made against you for either injury, loss or death of an animal while in the care, custody or control of you or an employee where there is liability. For example you don’t notice a dog has been left in the water and drowns.

Covered up to £25,000 for 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 is put in a crate whilst waiting for its owner to collect it and the dog bites the crate breaking its tooth.

If you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as this will provide cover should they suffer an injury while at work. The amount of cover provided is £10 million. If you have or are thinking about having school age work experience, please contact us.

Protects your business should you offer professional advice for a fee, such as providing a rehabilitation programme for an animal, and it results in either a physical or financial loss. The resultant claims can be covered up to a standard of £500,000, however we are now able to offer lower levels of cover (£100,000 and £250,000) at reduced premiums. If you are a member of certain governing bodies or trade associations this may be a requirement of your membership.

We can cover your businesses property and equipment, from small items (such as handheld equipment) to large (such as office equipment). We are also able to provide insurance for your pool, underwater treadmill and hoists, as well as additional cover for commercial premises, business interruption, theft of money and your home. Please note, if you are running your business from your own home, even if this is from a cabin on your premises, you must also notify your home insurer.

Provides financial compensation should the insured party be injured while carrying out business activities. You can choose from benefits of up to £250 per week.. This section includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.

Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.

We can cover one-off and multiple events, shows and fundraising in connection to your business.

Therapeutic work on humans, the use of ultrasound for diagnostic purposes including pregnancy, nutritional advice and nutritional therapy, medical advice. Any work outside of the UK or any excess applicable. Any work on horses.

Liability excesses

• Public liability
  • Third party injury – nil
  • Third party property damage – £100
  • Care, custody & Control and Non Negligent £50
• 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

Terms of Business LBSD v20 06.07.23

CLIVERTON_Provision of Services Statement 03.07.23

The Public Liability policy is underwritten by Certain Underwriters at Lloyd’s

Commercial Combined Key Facts

Equipment & Property is underwritten by Ecclesiastical Insurance Office plc.

Commercial Combined Policy Wording

Legal Expenses Policy is underwritten by ARAG plc.

Legal Expenses – Key Facts

Legal Expenses Policy Wording