{"id":115785,"date":"2018-03-06T09:59:42","date_gmt":"2018-03-06T09:59:42","guid":{"rendered":"https:\/\/startups.co.uk\/?p=115785"},"modified":"2023-01-20T09:24:22","modified_gmt":"2023-01-20T09:24:22","slug":"pet-business-insurance-covers","status":"publish","type":"post","link":"https:\/\/startups.co.uk\/insurance\/pet-business-insurance-covers\/","title":{"rendered":"Pet business insurance: What protection might I need?"},"content":{"rendered":"<p>A 2017 study from Opinium showed that Brits spend a staggering &pound;11.6bn annually on gifts, special diets and activities for their furry friends.<\/p>\n<p>So, Brits love their pets, and you make sure you provide a great service for clients.<\/p>\n<h2>Why do I need pet business insurance?<\/h2>\n<p>Although you pay great care and attention to your work, and it&rsquo;s probably a passion as much as a job, things can still go wrong.<\/p>\n<p>Insurance provides important security for thousands of pet businesses.<\/p>\n<p>Whether you&rsquo;re a dog walker, pet sitter, groomer, or even run kennels and catteries, it can protect your livelihood and get you get back on your feet quickly, should anything happen.<\/p>\n<h2>What can pet business insurance cover?<\/h2>\n<p>The first cover to think about is <strong>public liability insurance<\/strong>, which is the starting point for any business that comes into contact with members of the public.<\/p>\n<p>You can then add other covers, depending on how your business works. These might include:<\/p>\n<ul>\n<li>Employers&rsquo; liability insurance<\/li>\n<li>Buildings insurance<\/li>\n<li>Business equipment insurance<\/li>\n<li>Personal accident insurance<\/li>\n<\/ul>\n<p>Check below for all the details on how these covers work.<\/p>\n<h2>What should my pet business insurance include?<\/h2>\n<h3>Public liability insurance<\/h3>\n<p>If a member of the public claimed compensation for injury or damage caused by your business, public liability insurance can protect you.<\/p>\n<p>Say a mobile dog groomer caused accidental damage to an expensive carpet in a client&rsquo;s home. If the client took legal action, your policy can cover the legal fees and compensation costs.<\/p>\n<p>Compensation claims often run into millions of pounds. When taking out a policy, it&rsquo;s best to have a think about what sort of claim might be brought against you, as the severity of any possible damage or injury can help you decide your level of cover.<\/p>\n<p>Most insurers offer between &pound;1m and &pound;10m of public liability cover.<\/p>\n<h4>Tailored insurance for pet businesses<\/h4>\n<p>Because of the unique risks associated with working with animals, pet business owners do have specific insurance needs.<\/p>\n<p>Some insurers can cover injury to pets, as part of your public liability insurance. This means that if a pet was injured or became ill while in your care, your policy could protect you from a customer claim.<\/p>\n<p>This type of cover forms part of an insurance policy for many pet business owners looking for more tailored protection, so look out for it when getting a quote.<\/p>\n<h3>Employers&rsquo; liability insurance<\/h3>\n<p>If your pet business has any employees, you may be legally required to have employers&rsquo; liability insurance. If you need it and you don&rsquo;t have it, you face a &pound;2,500 fine for every day you&rsquo;re not insured.<\/p>\n<p>It covers you if an employee becomes ill or injured because of your business. If you have staff, it usually fits alongside public liability insurance as one of your key covers.<\/p>\n<h3>Buildings insurance<\/h3>\n<p>If you run your pet business from a home or a separate premises and you&rsquo;re responsible for insuring the building (rather than a landlord), this might be the next cover to add on to your policy.<\/p>\n<p>Buildings insurance usually covers the cost of repairing damage to the structure of the property.<\/p>\n<p>It can also cover fixtures and fittings, including carpets, skirting boards, and curtains and blinds. And if you run a pet shop or grooming parlour, for example, you might want to cover your shop front as part of the policy.<\/p>\n<h4>Contents insurance and stock insurance<\/h4>\n<p>If you have a business premises, it&rsquo;s worth thinking about getting a quote for your contents and stock, too.<\/p>\n<p>That way if something was damaged or stolen, your policy would pay out for replacements, allowing you to get on with your bookings and to-do list.<\/p>\n<h3>Business equipment insurance<\/h3>\n<p>As a pet business, it&rsquo;s likely you&rsquo;ve got some specialist equipment.<\/p>\n<p>Dog groomers have specific hoovers and brushes, while pet sitters have all kinds of equipment on hand for the different animals they have in their care.<\/p>\n<p>But if your equipment was damaged, lost, or stolen, how quickly would you be able to get back on track? Having insurance in place can help you recover from a setback quickly, and with minimum disruption.<\/p>\n<h3>Personal accident insurance<\/h3>\n<p>If you&rsquo;re a mobile pet business, and spend time visiting clients, you face an increased risk of having an accident.<\/p>\n<p>Costs incurred by accidents are often significant, and personal accident insurance could protect against serious injury or even death caused by one inside or outside of work.<\/p>\n<p>The money paid out can help with things like medical costs and bill payments, which might be difficult to meet.<\/p>\n<h2>Where to get pet business insurance<\/h2>\n<p>You can get insurance from several places, and using a service that compares quotes from a large number of insurers makes things quick and easy.<\/p>\n<p>Online broker Simply Business provides specialist business insurance for over 425,000 UK customers, with a quick and easy online quote form and lots of options for pet businesses.<\/p>\n<p><strong>Pet business insurance compare prices<\/strong><\/p>\n<p>You can compare quotes from a panel of insurers, tailoring your policy to fit your business.<\/p>\n<p>Get your details ready, answer a few questions about your business, and you&rsquo;re all set.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>A 2017 study from Opinium showed that Brits spend a staggering &pound;11.6bn annually on gifts, special diets and activities for their furry friends. So, Brits love their pets, and you make sure you provide a great service for clients. Why do I need pet business insurance? Although you pay great care and attention to your [&hellip;]<\/p>\n","protected":false},"author":63583,"featured_media":115794,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3001],"tags":[],"acf":[],"yoast_head":"\n<title>Pet business insurance: The covers you may need<\/title>\n<meta name=\"description\" content=\"Pet business insurance can cover many pet businesses, including dog walkers, pet sitters and pet groomers. 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Read more to find out what covers you might need.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/startups.co.uk\/insurance\/pet-business-insurance-covers\/\" \/>\n<meta property=\"og:site_name\" content=\"Startups.co.uk\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/startups.co.uk\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/startupstowers\" \/>\n<meta property=\"article:published_time\" content=\"2018-03-06T09:59:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-20T09:24:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2018\/03\/Dog-groomer-business.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"390\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Megan Dunsby\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@startupstowers\" \/>\n<meta name=\"twitter:site\" content=\"@startupstowers\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Megan Dunsby\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/startups.co.uk\/insurance\/pet-business-insurance-covers\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/startups.co.uk\/insurance\/pet-business-insurance-covers\/\"},\"author\":{\"name\":\"Megan Dunsby\",\"@id\":\"https:\/\/startups.co.uk\/#\/schema\/person\/3193fc8133d18cc711e48499c85f381b\"},\"headline\":\"Pet business insurance: What protection might I need?\",\"datePublished\":\"2018-03-06T09:59:42+00:00\",\"dateModified\":\"2023-01-20T09:24:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/startups.co.uk\/insurance\/pet-business-insurance-covers\/\"},\"wordCount\":864,\"publisher\":{\"@id\":\"https:\/\/startups.co.uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/startups.co.uk\/insurance\/pet-business-insurance-covers\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2018\/03\/Dog-groomer-business.jpg\",\"articleSection\":[\"Insuring your business\"],\"inLanguage\":\"en-GB\",\"copyrightYear\":\"2018\",\"copyrightHolder\":{\"@id\":\"https:\/\/startups.co.uk\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/startups.co.uk\/insurance\/pet-business-insurance-covers\/\",\"url\":\"https:\/\/startups.co.uk\/insurance\/pet-business-insurance-covers\/\",\"name\":\"Pet business insurance: The covers you may need\",\"isPartOf\":{\"@id\":\"https:\/\/startups.co.uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/startups.co.uk\/insurance\/pet-business-insurance-covers\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/startups.co.uk\/insurance\/pet-business-insurance-covers\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2018\/03\/Dog-groomer-business.jpg\",\"datePublished\":\"2018-03-06T09:59:42+00:00\",\"dateModified\":\"2023-01-20T09:24:22+00:00\",\"description\":\"Pet business insurance can cover many pet businesses, including dog walkers, pet sitters and pet groomers. 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