Your dogs specialise in important tasks such as search and rescue, sheep herding and detection. We specialise in protecting businesses like yours where dogs are the heart of your operation.
GET A QUOTE & BUYIf working dogs are the focus of your business, you need cover that takes care of every eventuality.
Cliverton has been insuring specialist animal businesses like yours for more than 50 years, so we get you, your business and your requirements.
We understand no two days, dogs or businesses are the same. That’s why we source unique working dogs insurance cover that can be tailored to your needs so your business remains protected, day in day out.
This insurance policy is suitable for people, businesses and organisations who wish to insure their public liability whilst they are using a dog in connection with a business or service. It is not suitable for personal assistance dogs or people who require vet fee cover.
There are two main types of insurance you need if you run a working dogs business. Both are included in our working dogs insurance policy.
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 your dog accidentally bites a civilian during a search and rescue operation.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Products liability – this covers the club up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied. Please note, this is NOT cover for retail sales where you sell any products.
Activities covered include gun dogs, hunting dogs, working farm dogs, search and rescue dogs, sheep dogs and detection dogs. If your dog is used for security purposes we have a specialist security policy available.
Similarly, we are able to arrange a specialist policy for those who use their dogs for therapy or assistance purposes.
Employers’ liability – 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 £10million.
Personal accident – 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.
Professional indemnity – protects your business should you offer professional advice for a fee, such as training students and the advice results in either a physical or financial loss. The resultant claims can be covered up to a standard of £500,000, however we are able to offer lower levels of cover (£100,000 and £250,000) at reduced premiums.
Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.
Equipment and property – we can cover your organisation’s property and equipment, from small items (such as handheld equipment) to large (such as office equipment). We are also able to arrange cover for commercial premises, business interruption, theft of money and your home.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
The following excesses are applicable to the business policy only.
Liability excesses
Property excesses
Terms of Business
Provision of Service Statement
The public liability policy is underwritten by Certain Underwriters at Lloyd’s.
Equipment and property is underwritten by Ecclesiastical Insurance Office plc.
Commercial Combined Key Facts
Combined Liability Policy Wording
Legal expenses policy is underwritten by ARAG plc.
Legal Expenses – Key Facts
Legal Expenses Policy Wording
Important information about our direct debit payment option
We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.
Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics.
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage
Common ownership – the use of land by one or more people, which is owned by someone else
DWAA – animals listed on the Dangerous Wild Animals Act 1976
View our Therapy dogs cover.
I work in the small animal’s team, dealing with a number of different animal-related businesses every day. Having grown up with a dog, and now being fortunate enough to look after a wide range of animals such as donkeys and sheep, I understand the risks that come with working with animals and why it is so important to make sure we have adequate cover.
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