Dog Walking Insurance

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Dog Walking Insurance Explained

Some jobs are easy while some jobs are more challenging. Sometimes there are risks that are involved especially if your job is quite unusual such as a dog walker. For instance, what will happen if your dog slips and suddenly runs across the street which caused a bicycle to crash? Having dog walking insurance can provide you peace of mind in case unexpected accidents can happen and you are blamed for it.

Why you need a dog walking insurance?

When looking for dog walking insurance, it’s worthwhile to consider the other services that you are offering, for instance, pet sitting, dog grooming, etc. Always consider all the factors that come with your job. If you are fetching the dogs from their homes, then you should have your clients’ home keys with you. Do you carry these dogs in your car when going to the park? The key is, it is important to ensure that you are always protected. This can provide you as well as your customer some peace of mind.

If you offer other services such as dog grooming, then its worth getting shop insurance to cover the contents and stock on your parlor.

Most likely, you will need public liability insurance regardless if dog walking is only the service that you offer or you are offering other types of services. If you have employees, then you are required to get an employers liability cover. If you are an employee of someone else, then you should review the insurance cover that they provide for you. This is to ensure that you have sufficient cover to meet your needs.

What is covered by public liability insurance?

Public liability insurance can cover the cost of injuries and damages to property in the event that a member of the public will sue you. Sometimes dogs can be very unpredictable. They have the tendency to feel overexcited which can lead to unexpected accidents. What if their leads get tangled, then this can lead to tripping accidents. Or perhaps the dog under your care suddenly jumps into a car causing a dent or jumps into a passerby causing him to break his leg. These unforeseen accidents will be blamed on you even if it is the fault of your dog. Since you are the dog walker, then you might be required to pay for the legal fees and compensation costs in the event that the person involved will file a claim.

Finding the Best Dog Walking Insurance

How much is the premium for public liability insurance for dog walkers?

Just like any other type of insurance, the premium of public liability insurance for dog walkers will be determined based on several factors such as the amount of coverage that you require, the extent of your business as well as your claims history. If you won’t reveal this information then it could result in a cancellation on your claim.

What is covered by an employers’ liability insurance?

If you are a business owner and you have employees working for your company, then you are legally required to get an employers’ liability insurance.  It is also mandatory that you should display your Employer’s Liability Certificate of Insurance in a place where it can be seen by employees. If you won’t display your certificate, then the Health & Safety Executive (HSE) will required you to pay a fine of £1000. Also, if you don’t have an employer’s liability insurance, then you will have to pay a fine of up to £2,500 each day until such time that you have acquired this insurance.

How to choose the right dog walking insurance?

Being your own boss can make you feel great, however, you should also make sure that you have sufficient protection in case you need it. Having public liability insurance and employers’ liability insurance can be a great help to your company.

If you are operating your dog walking business in your own home, then you might consider having specialist tools or business equipment cover. This can protect your IT equipment and other relevant tools needed in your business. Having business content cover can help you take care of your daily activities without worrying about the risks. The business contents insurance is a separate cover from your home contents insurance.

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