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Working Dogs Insurance

From only £166.20 per year

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

Request A Quote

Working Dogs Insurance

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

Request A Quote

Cliverton are able to arrange a working dog insurance policy for those who work with or use a dog as part of their business. This 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/service.

What’s included
  • Public Liability £5,000,000
  • Products Liability £5,000,000
Optional
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers’ Liability £10,000,000
  • Personal Accident
  • Property & Equipment
  • Legal Expenses (separate policy available)
  • 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
  • Personal Accident
  • Property & Equipment
  • Legal Expenses (separate policy available)

POLICY INFORMATION

What activities can be covered?

  • Gun Dogs
  • Hunting Dogs
  • Working Farm Dogs
  • Search & Rescue Dogs
  • Sheep Dogs
  • Detection Dogs

 

  • Security Dogs

If your dog is used for security purposes we have a specialist security policy available please click here for further information.

  • Therapy & Assistance dogs

We are able to arrange a specialist policy for those who use their dogs for therapy or assistance purposes, for more information please click here

Please note that this policy will not cover any injury sustained by the dog itself.

Public Liability

This covers you against claims arising from either the actions of you, an employee or the working dog causing either third party injury, property loss or damage.

The standard limit of cover is £5,000,000; however, we can also offer an increased limit of £10,000,000 for an additional premium.

Products Liability

We will cover you should a claim arise caused by products you have supplied during the course of your activities.

The standard limit of indemnity is £5,000,000 and is included as part of the Public Liability.

Please note this is NOT cover for retail sales where you sell any products.

Employers’ Liability (optional extra)

Where you have either paid, voluntary or self-employed helpers working under your direction, in connection with your business, it is a legal requirement that you have Employers’ Liability insurance which will provide cover in the event of them being injured whilst working for you.

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 accident 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 larger items and office equipment.

We are also able to provide additional cover for commercial premises, business interruption, theft of money and your home.

Legal expenses (optional extra)

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.

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 which are subject to a dog control order
  • Injury to the working dog
  • Any work outside of the United Kingdon
  • Any excess applicable

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

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

IMPORTANT INFORMATION

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

 

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