Pet business insurance

Public and product liability insurance

In case your pet business causes an injury, illness, or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

• damage to someone’s property, caused by your pet business
• an injury or illness caused by your business activities or products
• accidental damage or injuries caused by your employees

For example:

• you accidentally catch a cat’s paw in a car door, and they need a visit to the vet’s
• a dog shampoo product you use causes an allergic reaction, and you’re sued for compensation

**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 physio business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that happens as a result of working for you (including temps and casual workers)

**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 employee gets scratched by a cat while working for you, and holds you responsible for complications due to an infection
• one of your part-time workers cuts their hand on a transport crate, which needs fixing

Tools insurance

In case your pet care tools are lost, stolen, or damaged.

What’s typically covered by builders tools insurance?

• loss, damage, or theft of your hand tools and portable electronics
• your tools while they’re on a client’s premises or in transit in the UK, in any vehicle you own or lease

For example:

• a new order of safety harnesses falls out of your van while in transit, and needs replacing
• three new pet strollers are damaged in a flood on your business premises

Read more about tools insurance

Stock insurance

In case the supplies you rely on are lost, stolen, or damaged.

What’s typically covered by stock insurance?

• loss, damage, or theft of your essentials, including pet food, litter materials, and cleaning supplies

For example:

• a fire on your business premises destroys your stock of pet food
• you need to replace your specialist cleaning supply stock, after a mouse infestation goes undetected

Read more about stock insurance

Legal expenses insurance

In case you have to pay legal costs connected with your pet business.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your pet business
• property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
• tax and compliance disputes, and investigations you need help with
• includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation

For example:

• your employee classifications are found to be incorrect, and you begin to incur legal fees
• an apprentice working for you raises a discrimination claim, and you need to pay for legal representation

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

• accidental injury or death at or outside of work, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• you slip and fall on a wet floor at work, injuring your lower back
• your employee breaks their leg while riding on their day off, and needs six weeks off normal duties for recovery

Read more about personal accident insurance