Pet shop insurance
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Rated 4.7/5
Based on 39,770 reviews
Claims paid in 24 hours
For 80% of settled claims
Pet shop insurance – why is it important?
Pet shops are crammed full of products to make pets and owners happy, but they still face the same risks as other business premises. The good news? Business insurance is there to help cover the cost of a claim, whether that’s a result of an accident, a fire on your premises, or another unexpected event.
- liability insurance for pet shops, including public and employee risks
- compare cover from expert UK brands and protect your business
- rated 4.7/5 based on 39K+ public liability customer reviews
What does pet shop insurance cover?
Public liability insurance is usually a key cover for many businesses. It protects your business against compensation claims if a member of the public gets injured or loses out financially. Beyond that, tailor your policy to your needs as a pet shop, adding covers as you need them.
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your shop.
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Business legal insurance
In case you’re hit with legal expenses connected to your shop.
Stock insurance
In case something happens to your products and consumables.
Buildings insurance
In case something happens to your business premises.
Excess insurance
In case you need to make a claim on your insurance policy.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by pet shop public liability insurance?
Claims against your business for:
- damage to someone else’s property while you’re working, or because of your work
- injury to someone as a result of your work
- accidental injuries caused by your employees at work
For example:
- you’re with a client and you accidentally spill coffee onto their designer handbag, causing a permanent stain
- your client trips over your laptop charger cable while you’re setting up for an appointment, breaking their wrist
- <span style='font-size: undefined;'>your employee damages a neighbouring business’s property while bringing equipment into your premises</span>
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your shop.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- injuries to staff (including casual labourers and contractors) that are caused as a result of your business
- illness suffered by an employee (including temps and casual workers) caused by working for you
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your office manager breaks their finger while trying to close a faulty window at your business premises
- your receptionist trips over a cable running across the floor of your office, breaking their ankle
- a temp worker scratches their arm on one of your tools, and the injury becomes infected
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business contents insurance?
Claims against your business for:
- destruction and damage of your contents equipment, such as furniture or photocopiers
- cover for flood or fire damage, plus theft and vandalism
For example:
- some of your business equipment, including a printer, is damaged by a fire
- several TV screens you use for virtual meetings are stolen by thieves
- an upstairs leak in your premises causes damage to the sofa and chairs in your reception area
Read more about business contents insurance
Business legal insurance
In case you’re hit with legal expenses connected to your shop.
What’s typically covered by business legal insurance?
Claims against your business for:
- a dispute relating to debt recovery, including judgement enforcements
- an investigation into your tax affairs
- someone using your company’s identity illegally
For example:
- one of your clients has informed you that they believe you haven’t met the contractual requirements of their purchase agreement, and they’re refusing to pay an outstanding invoice
- HMRC investigates your recent tax return, triggered by a fluctuation in your business income
- someone gets hold of your company bank details and uses them to buy goods and services
Read more about business legal insurance
Stock insurance
In case something happens to your products and consumables.
What’s typically covered by stock insurance?
Claims against your business for:
- the cost of replacing the stock you use to run your business
- stock that’s been destroyed, lost, stolen, or damaged
- stock includes food and drink products as well as branded materials and sellable items
For example :
- your stockroom gets vandalised – products you need to operate are stolen and damaged
- a fire caused by faulty electrics spreads to your stockroom and destroys sellable items
- a leaking pipe floods your business premises, destroying stock that you intend to sell
Read more about stock insurance
Buildings insurance
In case something happens to your business premises.
What’s typically covered by business building insurance?
Claims against your business for:
- repair and rebuild costs after damage caused by a storm, fire, or vandalism
- fittings and fixtures that get damaged
- underground pipes and cables, if you’re responsible for them
For example:
- someone tries to force entry into your shop, damaging the door, which needs replacing
- a burst pipe causes water damage to floorboards and walls – they need to be replaced
- equipment catches fire and damages your building, which will need to be completely rebuilt
Read more about business buildings insurance
Excess insurance
In case you need to make a claim on your insurance policy.
What's typically covered by excess insurance?
Claims made by you for:
- the cost of the excess you’d have to pay when making a claim on a cover included in your business insurance policy
For example :
- strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
- a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
- a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does liability insurance for pet shop cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.49 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
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*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | No excess | £750 |
Employers' liability | No excess | No excess |
Contents | £200 | £4,000 |
Stock | £200 | £4,000 |
Main building | £200 | £400 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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How do insurance claims work for pet shops?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
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Pet shop insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
Make sure you’re covered for the services you provide:
- View all business insurance covers
The types of businesses we insure:
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
Helpful articles for pet shop businesses
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