Public Liability for Animals

From only £166.20 per year

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

Request A Quote

Public Liability for Animals

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

Request A Quote

The Cliverton private ownership insurance is suitable for people who are looking to cover the Public Liability of their own pets or animals, this policy is not suitable for those people who require cover for vets fees for their own animals.


What’s included
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Personal Accident
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Personal Accident


Animals Covered

  • Domestic Animals (max 15)

We arrange Public Liability for your own pets from dogs to guinea pigs. If your dog is used for any business please see our working dogs policy

  • Farm Animals (max 15)

We can arrange Public Liability for your own farm animals, providing they are not commercially used.

  • Poultry/birds (max 15)

Providing you do not use the birds/poultry for any commercial activities we are able to provide the Public Liability.

  • Private Flying of birds of prey

If you use your birds of prey for any pest control activities please click here, however if you are looking for cover for public handling and displays please see our Falconry policy


Public Liability

This covers claims arising from the actions of you, an employee or the therapy 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 included as part of the Public Liability for no additional charge.

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 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.

What is not covered?

  • We cannot cover any animals that are subject to Dangerous Wild Animals Act (DWAA) regulations – if you require cover for an animal subject to this Act please click here.
  • For any banned breeds i.e Dogo Argentino, Pit Bull Terrier, Japanese Tosa or Fila Brazilieo, we will need sight of the Life Certificate.
  • For any dogs that are subject to an ASBO, we require sight of the Dog Control Order Certificate.
  • Any excess applicable
  • Any injury to the animal(s) themselves


The following excesses are applicable to the business policy only.

Liability Excesses

  • Public Liability
    • Third party injury – Nil
    • Third party property damage – £100
  • Personal Accident – first 7 days of incapacity


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



What our customers think