Therapy Dog Insurance

From only £171.20 per year

Or 9 monthly payments of £20.92 (total repayable £188.28)

Enquire Now

Therapy Dog Insurance

From only £171.20 per year Or 9 monthly payments of £20.92 (total repayable £188.28)

Enquire Now

Cliverton can arrange insurance cover for those who use or work with therapy dogs, therapy cats or other suitable animals.

This policy is suitable for people, businesses and organisations who are looking to hold Public Liability whilst they are using animals for therapy  purposes, this policy is not suitable for those who require a personal assistance dog.

What’s included
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers’ Liability £10,000,000
  • Property & Equipment
  • Personal Accident
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers’ Liability £10,000,000
  • Property & Equipment
  • Personal Accident


Business Activities Covered

  • Reading Assistance Dogs
  • Therapy Dogs (schools/colleges/workplace etc)
  • PAT Dogs
  • Dogs for those with behavioural difficulties

Please contact the office for further information regarding what activities can be covered.

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.

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.

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

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.

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 provide additional cover for commercial premises, business interruption, theft of money and your home.

What is not covered?

  • Any animal subject to the Dangerous Wild Animals Act (DWAA)
  • The use of any dogs which are classed as a banned breed.
  •  The use of any dogs subject to a Dog Control Order
  • Injury to the therapy animal
  • Any excess applicable


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



Provision of Service-Statement-2-3-18

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.

Equipment & Property Key Facts

Legal Expenses Policy is underwritten by ARAG plc.

Legal Expenses – Key Facts

Legal Expenses Policy Wording



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