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Pet Physiotherapy, Pet Hydrotherapy and Animal Massage Insurance

From only £166.20 per year

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

Request A Quote

Pet Physiotherapy, Pet Hydrotherapy and Animal Massage Insurance

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

Request A Quote

If you are involved in any of the above activities, Cliverton can arrange a tailor-made pet physiotherapy and pet hydrotherapy policy designed to meet your requirements.

This policy is suitable for people or businesses who are looking to cover their Public Liability whilst they are providing Pet Physiotherapy, Pet Hydrotherapy, Animal Massage and non invasive animal therapies.

What’s included
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Care, Custody & Control unlimited cover
  • Non-negligent cover unlimited cover
Optional
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers’ Liability £10,000,000
  • Professional Indemnity £500,000
  • Property & Equipment
  • Personal Accident
  • Events, Shows & Fundraising
  • Legal Expenses (separate policy available)
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Care, Custody & Control unlimited cover
  • Non-negligent cover unlimited cover
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers’ Liability £10,000,000
  • Professional Indemnity £500,000
  • Property & Equipment
  • Personal Accident
  • Events, Shows & Fundraising
  • Legal Expenses (separate policy available)

POLICY INFORMATION

Business Activities Covered

  • Hydrotherapy

Where you use a pool for the use of animal hydrotherapy the policy provides the Public Liability for this.

  • Physiotherapy

If you provide a physiotherapy service for animals; this can be for post-operative veterinary referrals, Cliverton include this as standard.

  • Canine & Animal Massage

The policy will also include Public Liability as standard for your to provide a canine massage or animal massage as part of your business.

  • Reiki
  • Tellington Touch therapy
  • Non-invasive animal therapies

 

Public Liability

This covers claims arising from the actions of you, an employee or the animal which has resulted in injury to a third-party or damage to their property due to your 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 inluded as part of the Public Liability for no additional charge

Please note this is NOT cover for retail sales where you sell any products.

Care, Custody & Control unlimited cover

Cover is provided for up to £25,000 in respect of any claims made against you for either injury, loss or death of a dog whilst in the care, custody or under the control of you or an employee where you have been negligent.

Non-negligent Cover unlimited cover

£25,000 of cover is provided for claims made against you for the injury, loss or death of an animal due to an accident where you or an employee are not at fault.

Employers’ Liability (optional extra)

Where you have paid, voluntary or self-employed helpers working for you in connection with your business, 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.

If you have or are thinking about having school age work experience please contact the office.

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

Professional Indemnity (optional extra)

If you give professional advice as a service for a separate fee such as training students and that advice results in either a physical or financial loss, professional indemnity will cover any resultant claims up to a limit of £500,000.

If you are a member of certain governing bodies or trade associations this may be a requirement of your membership.

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 a dyers or office equipment. We are also able to provide insurance for your pool, underwater treadmill & hoists.

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

If you are running your business from your own home; even if this is from a cabin on your premises, that you notify your home insurer

Personal Accident Cover (optional extra)

By including Personal Accident cover under your policy you will be provided with a weekly benefit in the event of you suffering an injury whilst carrying out your business activities.

You can choose from benefits of £100 per week payable for 104 weeks or £250 per week payable for 52 weeks. This section of cover also includes a lump sum compensation for accident 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.

Events, Shows & Fundraising (optional extra)

Where you organize events, shows or fundraising in connection with your business, we are able to arrange the public liability.

We are able to arrange cover for just the one event or multiple events depending on your requirements

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 theraputic work on humans
  • The use of ultra-sound for diagnostic purposes
  • Nutritional advice / therapy
  • Medical advice
  • Any animal which is subject to the Dangerous Wild Animals Act (DWAA)
  • Any work outside of the United Kingdon
  • Any excess applicable

Excesses

The following excesses are applicable to the business 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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