Pet shop insurance

Expert business insurance for your pet shop

From dainty dog leads to the finest fish food, pet shops tend to be stuffed full of products to make pets and owners happy. But although they seem a bit more magical than most shops, pet-based premises still face the same risks. There’s the chance that someone could slip on your wet shop floor and sue you, for example, or the possibility that a fire or flood could damage your contents or stock.

This is where pet shop insurance from Simply Business comes in. Public liability insurance can cover compensation claims from a member of the public, while buildings, contents and stock insurance can pay out if disaster strikes. There’s also employers’ liability insurance if your pet shop employs any staff, and a bunch of other covers that could be useful too.

What insurance do pet shops need?

It’s up to you to pick the insurance covers you think you need, but these are some of the covers that may be useful for your pet shop:

Public liability insurance can protect you against injury or damage claims made by members of the public, including customers and suppliers. If someone tripped over spilt animal feed in your shop and claimed compensation for their injury, for example, your public liability insurance could pay the compensation amount and legal fees.

If a fire or flood hits your pet shop, or if you’re the victim of vandalism or a break-in, business buildings insurance can pay to repair or rebuild the premises, while business contents insurance can pay for repair or replacement of the furniture and appliances. Stock insurance can pay to replace your stock if it’s damaged or destroyed.

Employers’ liability insurance is usually a legal requirement if your pet shop employs staff. Other covers you can choose to add to your policy include business legal protection insurance and business interruption insurance.

The average insurance claim for a pet shop is £11,199 – could you afford this if the worst happened? (Average claim being £11,199. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Why Simply Business?

• We're one of the UK's biggest business insurance providers
• All settled claims paid within 24 hours
• 9/10 ratings say we’re good (or excellent)
• 750,000 customers (and counting)
• Claims handled by an award-winning team
• Quote comparisons available from multiple insurers
• We run things from an expert, UK-based contact centre

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.