This therapy dog insurance policy is suitable for people, businesses and organisations who are looking to hold public liability whilst they are using animals for therapy purposes. It is not suitable for personal assistance dogs or people who require vet fee cover.
Cover as unique as your business
As a therapy dog business owner, you know first-hand how important it is to provide a safe, stimulating and supportive environment. At Cliverton, we know how important it is to know your business is in the safe hands of an insurer who cares about animals as much as you.
Taking the worry out of ‘what ifs’
Wagging tails, wet noses and unconditional love make a world of difference in people’s lives. As a therapy dog business owner, you’re doing vital work that needs to be protected.
That’s where we can help.
Here at Cliverton, we aren’t just insurance experts – we’re barking mad about animals too and we believe businesses like yours deserves the best possible cover.
Whether you have a pack of PAT pooches or a team of reading assistance dogs, we work alongside you to create insurance coverage that’s tailored to your specific needs. Giving you that safety net should any unexpected hiccups happen along the way.
- 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
POLICY INFORMATION
Business Activities Covered
It covers reading assistance dogs, therapy dogs (at schools, businesses, colleges etc), PAT dogs and dogs for therapy for people with behavioural or learning difficulties. Please contact us for further information regarding what activities can be covered.
Public Liability
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 dog escapes and bites a member of the public.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Products Liability
this covers your business up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.
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 suffer an injury while at work. The amount of cover provided is £10 million.
Personal Accident Cover (optional extra)
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.
Equipment & Property (optional extra)
we can cover your organisation’s property and equipment, from small items to large. We are also able to arrange cover for commercial premises, business interruption, theft of money and your home.
What is excluded?
Cover for animal subject to the Dangerous Wild Animals Act (DWAA), the use of any dogs which are classed as a banned breed or subject to a Dog Control Order. Injury to the therapy dog and any excess applicable.
How much are the policy 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
IMPORTANT INFORMATION
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.
Equipment & Property is underwritten by Ecclesiastical Insurance Office plc.
Commercial Combined Policy Wording
Legal Expenses Policy is underwritten by ARAG plc.
