Kennels and Catteries Insurance
Do you need Kennels and Catteries Insurance?
If you are setting up, or the owner of an established kennel and cattery, your local authority will require, within your licencing condition, for you to be insured.
Why is Kennels and Catteries Insurance important?
Having kennels or catteries insurance in place offers reassurance to your customers, as you will be covered if any accidents were to happen whilst their pets are under your care.
What does Kennels and Catteries Insurance cover?
You can pick and choose the cover you require:
All risks cover for buildings and/or contents including equipment and stock held for sale. Take out this cover and the following is automatically included:
Goods In Transit
Cover for your equipment and customers' animals whilst in transit in your vehicle, limits apply.
Please ensure you inform your motor insurer you are using the vehicle for business.
Loss of business money, plus bodily injury following assault as a result of theft or attempted thefts, limits apply.
Damage to your business' frozen food due to accidental breakdown of the freezer cabinet or failure of electric supply. Maximum cover of £10,000 any one event.
Public & Products Liability
£2 million, £3 million or £5 million limit of indemnity providing legal liability against third party bodily injury or third-party property damage. Take out this cover and the following is automatically included:
£50,000 limit any one period of insurance against legal liability for injury to customers’ animals in your custody and control (including travelling with the animal in your vehicle).
With an option to include non-negligent injury and illness cover for customers’ animals with a limit of £2,000 any one event and £50,000 annual limit.
Advertising and Reward
£500 limit in the event of a customers lost or stolen animal whilst in your custody or control.
Death And/Or Disappearance
£2,000 legal liability limit should a customers’ animal(s) die or disappear whilst in your custody and control.
Loss of Customers' Keys
£10,000 limit any one period of insurance for the replacement of customers keys and any consequential loss.
This is a legal requirement if you have full time, part time, volunteers, or work experience working for your business.
£10 million limit of indemnity for legal liability in respect of bodily injury or disease sustained to an employee arising out of and in the course of their employment.
Providing protection for financial loss suffered following an interruption to your business, as a result of an insured property damage incident. Take out this cover and the following is included:
Loss of Licence
Up to £100,000 cover arising from forfeiture and refused renewal of your boarding licence.
Legal Helpline and Legal Protection
This is automatically included.
A free 24 / 7 legal advice helpline to assist in the day-to-day running of your business.
£100,000 limit providing legal defence costs incurred against Employment Disputes / Compensation Awards, Legal Defence, Property Protection / Bodily Injury, Tax, Contract / Tenancy Disputes, Statutory Licence Protection and Debt Recovery.
£500,000 limit of indemnity provided against negligence/breach of a duty of care, negligent misstatement/misrepresentation, defamation, employee dishonesty, breach of confidence or misuse of information, infringement of intellectual property rights.
24-hour cover, providing an option of limits ranging from £5,000 to £50,000 for death or loss of limb benefits, with a £50 to £500 weekly benefit in the event of temporary total disablement as a result of an accident. This can be for directors, principals and partners only, or extend to include employees.