Dog Walking Business Insurance

Protect your dog walking business today. Compare quotes from multiple brokers.

  • Complete one easy online form
  • Key Cover for loss of keys
  • Complete one easy online form
  • Brokers will compete to win your business

What does Business Dog Walking Insurance Cover ?

When it comes to dealing with other peoples pets, the owner is trusting you to be  responsible and to care and protect their pet to the best of your ability. In addition the owner  will expect your walking business to have the correct level of dog walking insurance to cover any unforeseen costs resulting from an incident involving their dog. 

  • Public liability insurance for dog walkers is very important should a dog in your custody harm a member of the public or cause damage to property.
  • Cover for pets that have been left in your care: This type of cover will protect you should the pet need medical attention.
  • Key Cover: If you lose the keys of one of your clients.
  • Employers Liability: By law you must have this type of cover if you have employees, even if they are unpaid volunteers. This will protect you in the event that a claim is brought against you by one of your employees.

How much does dog walker Insurance cost?

On average insurance will cost in the region of GBP125 upwards, depending on the type and level of cover that you choose to include. 

There are a few key factors that can influence the premium price quoted. Postcode is one of these as some areas of the UK are more prone to crime than others, take city centers for an example. The other key factors are listed below.

Dog Walking  Insurance
  • The amount of annual turnover that your business has.
  • The actual amount of  cover that you choose.
  • The number of employees that you have.
  • How long you have been applying your trade.
  • Your postcode

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Fully disclose any past claims

If by chance you have previously made a claim on any dog walking insurance policy, or any legal action has been undertaken against you or your pet walking business in the past, this may affect your quote. Failure to fully disclose any pertinent details to your broker may invalidate any claim that you subsequently may make.

How you can avoid making claims against your canine walkers insurance policy 

Most claims involve pedestrians that are walking or running taking the animal by surprise which can result in the dog nipping or biting the poor pedestrian.  Here are some tips to reduce your risk

  • Take time to find out about the dog and its temperament before agreeing to provide a walking or sitting service.
  • If  the hound has bitten a person before make sure that you use a muzzle. 
  • Keep your distance from others and do not let strangers approach to pet the tail-wagger, if it is in any way aggressive.
  • Keep the pet on a tight lease whist in areas with high number of pedestrians.
  • Understand the different breeds, some have a greater tendency than others to be protective of the owner or their walker and thus can be aggressive. 
  • Stay alert and try to predict any potential hazards that may result in the doggy taking an offensive  action.

Bites are not the only reason for making insurance claims, animals are unpredictable and even the most experienced hound handler can find themselves in a situation that they could never have anticipated, as such it is vital that you have a good policy in place. 

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What type of Insurance do I need for my pet business? 

A typical dog walking insurance policy from the likes of Petplan, Cliverton or Protectivity should contain or have an option for the following. If you wish you can cover other risks that are inherent to running a pet walking business, for example veterinarian expense reimbursement (regardless of fault)

  • Public liability insurance provides cover against claims from the public, example should a hound bite someone and should be included in good dog walking insurance policy.
  • Care Custody & Control : will provide cover for vet fees to a fixed limit, loss, theft or death of the animal.
  • Custodial responsibility :  will cover for any claims the pet owner may make against you or employees
  • Key Cover for loss of keys and replacement lock should that be required.
  • Professional Indemnity Insurance : cover for giving bad or wrong advise or poor service. 
  • Employer's Liability Insurance. If you have employees your are legally obliged to take care of them and this insurance is thus legally required.  

This type of policy will provide public liability cover with both ‘care, custody & control’ and ‘non-negligent’ amendments. This type of policy will protect you against things that could go wrong as you perform your trade of walking people’s dogs.

Every businesses has inherent risks,  when dealing with animals the risks are more apparent with personal injury top of the list. Be aware that  the owner can have very strong bonds with their pets and if any injury to their pet happen whilst in your care the owner they will have no hesitation in holding you personally responsible.

Bylaws:  A quick look at the legal side for a professional walker

The UK has stipulated many many  rules related to walking dogs, many are good and many more are contentious. Limiting the number of hounds that you may walk seems very arbitrary and punitive, others like being responsible for  keeping the footpaths and green areas etc clean from fouling are without doubt good.

The arguments no doubt will rage on amongst animal lovers, for example is walking 6 small puppies more of a hazard than walking 5 large Alsatians and what happens any puppies that have to be left behind? For any dog walking business this guide for professional pet walkers is the definitive guide to staying on the right side of the UK law and how to take out the appropriate level of cover for your business.

Please take note that rules vary and will depend upon your local council. As such do check with them first for the latest rules and regulations that relate to your pet walking service.

Should I start a pet walking business?

The average salary of a professional canine walker is presently 20% more that the average UK working class salary. There’s no doubt that it’s a viable and potentially profitable business. Important for one to remember here is that it’s just that a business. As such, you will have to acquire all of the entrepreneurial skills that are needed to run a successful business. In addition to these skills you will also need adequate dog walking insurance. This will not only protect you and your customer's pets, but will help ensure that your business will survive any unforeseen claims.

In the UK the pet sitting business is also a growing sector and if you intend providing pet minding service take a look at the pet sitting insurance options that are currently available.

Unlike the various types of business insurance that are geared to retail shops or office based services this type of cover is specifically designed to cover you when working with animals.

Love animals and wish to be your own boss?  If the answer is yes why not consider setting up either a canine walking business or a pet sitting service. With so many pet lovers in the UK this type of business can easily succeed. Set up costs are minimal no need for a web site initially a phone will suffice and google calendar to record bookings and your schedule.  

If you make your living as a professional pet walker it is important to have dog walker insurance. This type of policy will not only cover the liabilities that are associated with this trade, but it can make your business appear more professional, and will give you real peace of mind.

There is much emotional and financial responsibility when working with folk’s beloved pets in this trusted position. Having correct level of cover will help you to sleep better at night knowing that in the event of a mishap, you’re covered.

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