Therapy Dog Insurance

• Reading Assistance Dogs
• Therapy Dogs
• PAT Dogs
• Dogs for those with behavioural difficulties
• Dogs for the disabled (24 hour cover)

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

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.

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.

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.

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.

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.

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.

• 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

For the excesses applicable to the Legal Expenses policy please click here

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