Working Dogs Insurance

From only £171.20 a year (monthly payment options available)

Enquire Now

Working Dogs Insurance

From only £171.20 a year (monthly payment options available)

Enquire Now

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.

Your dogs specialise in important tasks such as search and rescue, sheep herding and detecting items. We specialise in protecting businesses like yours with this working dogs insurance cover.

If 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 and your requirements.

We understand no two days 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.

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
  • Personal Accident
  • Property & Equipment
  • 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


What activities can be covered?

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.


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.

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 (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.

What is excluded?

Cover for animals 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. Any injury to the working dog, work outside of the UK or any excess applicable. Any vets fees/bills associated with your working dog(s).

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


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.

Commercial Combined Key Facts

Equipment & Property is underwritten by Ecclesiastical Insurance Office plc.

Commercial Combined Policy Wording

Legal Expenses Policy is underwritten by ARAG plc.

Legal Expenses – Key Facts

Legal Expenses Policy Wording



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