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 a dog escapes and injures a member of the public. Care, custody and control – cover is provided for any claim made against you for injury, loss or death of a dog while in the care, custody or control of you or an employee where there is liability. Non-negligent cover – covers incidents where there is no negligence or fault on the business’ part, but the owner of an animal in your care still experiences a loss. Products liability – this covers the business up to £5 million if injuries or damages arise as a result of a defective product that your business has supplied. Employers’ liability – 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. Personal accident – provides financial compensation if the insured party is unable to work due to an injury or illness, lasting for more than 7 days. Professional indemnity – protects your business should you offer professional advice for a fee, such as advising on training techniques, and it results in either a physical or financial loss.
The policy covers the following activities: Doggy day care, Dog walking, Pet taxi, Home boarding.
There are five main types of insurance you need if you run a dog day care business. All are included in this insurance policy. Liability excesses Public liability, Products liability, Care, custody and control and non-negligent, Loss of keys.