From pet shop insurance to pet café insurance, we’ve got you covered.
This insurance policy is suitable for those who run a pet shop or pet café business and wish to protect their business and liability to the public. This policy is not suitable for those who sell animals or animals owned by the business.
Owning a pet shop or café can be a purr-fect job but juggling multiple animals with business administration can be time-consuming.
Comprehensive coverage for your pet shop
Accidents can happen when you least expect them, especially when dealing with the public on a daily basis. That’s why with Cliverton’s sourced tailor-made pet shop business insurance, you can be sure your organisation is protected should the worst happen.
This insurance can provide cover for customer accidents and stock damage to theft and employee injury. It’s also as flexible as a cat’s whiskers meaning you can customise your coverage to fit your unique business needs.
Sit back and relax – we have you covered with pet café insurance
From their purring snores to wagging tails, pet cafes can bring joy and comfort to those who walk through their doors – including you.
But running a café isn’t all about the cuddles (although it’d be nice if it was!). A vital part is managing and preventing risks to you, your customers and your business.
With the right insurance, you can rest easy knowing that you’re covered for any unexpected accidents or mishaps that may occur, from damaged property to an injured customer.
With over 50 years’ experience, we know pet cafés’ inside out so you can rest assured that we can guide you through your insurance in the most efficient way possible.
- Public Liability
- Products Liability
- Stock
- Stock in Transit
- Money
- Contents
- Business Interruption
- Commercial Legal Expenses
- Buildings
- Tenants Improvements
- Frozen Stock
- Employee Dishonesty
- Personal Accident
- Public Liability
- Products Liability
- Stock
- Stock in Transit
- Money
- Contents
- Business Interruption
- Commercial Legal Expenses
- Buildings
- Tenants Improvements
- Frozen Stock
- Employee Dishonesty
- Personal Accident
POLICY INFORMATION
Public Liability
Designed to protect you against liability claims for injury caused to third parties or or damage to their property as a result of your negligence, for instance if a visitor slips and injures themself.
The cover limit is £5 million.
Products Liability
This covers your shop or cafe up to £5 million if injuries or damages occur as a result of a defective product that the shop or cafe had supplied, such as if pet food made a dog ill.
Commercial Legal Protection
Protection for legal costs and expenses arising from specified civil and criminal incidents in connection with your business.
- Property protection
- Legal Defence
- Contract disputes
- Debt recovery
- Tax protection
- Employment disputes and compensation awards
- Service occupancy
- Bodily injury
- Statutory licence protection
Cover limit £500,000
Employers' Liability (optional extra)
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 injure themselves while at work. The amount of cover provided is £10 million.
Equipment and Property
We can cover your businesses property and equipment, from stock to large equipment (such as table and chairs). We are also able to arrange cover for commercial premises, business interruption and theft of money.
What is excluded?
The policy excess. The sale of animals or businesses operating outside of the UK. The policy will not offer cover for the use of deep fat fryers.
How much are the policy excesses?
Public & Products Liability
- Third party injury – £NIL
- Third party property damage – £250
Property Damage
- Property damage – hired or rented premises – £250
- Property temporarily away – stock at exhibitions – £50
- Stock in transit – £50
- Money & Assault – £NIL
- Frozen foods – 10% of each and every loss (minimum £25) (Applicable only to any unit over 5 years old and subject to service by an approved engineer) )
IMPORTANT INFORMATION
Shop and Salon Insurance Summary of Cover
Shop and Salon Insurance Policy Wording
Terms of Business LBSD v20 06.07.23
CLIVERTON_Provision of Services Statement 03.07.23
The Insurer of this policy is Aviva Insurance Ltd.
