Business insurance for dog walkers

Some jobs come with inherent risks – especially if you’re in a more unusual line of work – like dog walking. For example, what happens if Fido slips his lead and runs onto the street under a bicycle causing it to crash? Having insurance in place would give you that piece of mind should an accident happen and you be held responsible.

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Do I need dog walker insurance?

When it comes to searching for your insurance as a dog walker it’s worth considering what other services you might be providing – such as dog grooming or pet sitting. Think about all aspects of the job – are you collecting dogs from their homes, in which case, do you have clients’ house keys and are you transporting dogs to parks in your car? The point is, it’s important to ensure you’re adequately covered – it’ll provide peace of mind, not just for you but for your customers as well.

If you provide other services such as a dog grooming parlour, you may want to consider taking out shop insurance to protect stock and contents you keep on the premises.

You are also likely to need public liability insurance no matter if dog walking is your sole business activity or if you other businesses. If you employ any staff, you would also need employers liability cover.

If you’re employed by someone it’s worth reviewing the cover that they have in place first to see if it’s adequate to meet your requirements.

Public Liability Insurance

Public liability insurance is all about protecting you against claims made as a result of property damage or accidental injury members of general public suffer in connection with your work.

Dogs can be unpredictable and sometimes over excited, which may inadvertently result in accidents. Leads can get tangled causing trip hazards or – like in the example above – other types of danger… If the dog you’re responsible for suddenly jumps hitting a vehicle causing a dent in a car door or hits a passer-by breaking their leg, you may be accused of not taking enough care of the pet. Even though the accident was caused by the dog, you as its carer might be hit with compensation costs and legal fees.

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How much is public liability insurance for dog walkers?

Any insurance premium is based on a number of factors specific to you, such as the size of your business, the amount of cover you need and your claims history. Failure to disclose this information could lead to a claim on your policy, should you need to make one, being invalidated.

Employers’ Liability Insurance

If you run a business and employ other people, then you’ll need employers’ liability insurance. You are required by law to display a copy of your Employer’s Liability Certificate of Insurance where your employees can easily read it. Failure to display the certificate can result a fine of £1000 from the Health & Safety Executive (HSE). Failure to have Employer’s Liability insurance could lead to a fine of up to £2,500 for every day you don't have this insurance in place. 

Choosing the right business insurance

There’s no doubt that being your own boss has its rewards but it’s also down to you to make sure you’ve got an adequate safety net in place should you need it. Use our public liability and employers’ liability comparison services to find the right deal for you.

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