At Pet Business Insurance, we specialize in providing industry-leading animal third party liability cover. With over 20 years of experience and a 4.9/5 rating in online reviews, we are widely recognized as the best choice for pet professionals in the UK.
What is Dog Public Liability Insurance?
Often referred to as indemnity insurance for pets, public liability is designed to protect you financially if a dog in your care causes injury to a person or damage to property. This isn't just "domestic animal insurance"—it is a professional-grade shield for your business
Why You Need Expert Protection
Many standard home insurance policies exclude civil liability for animal keepers if the dog is being handled as part of a business. Pet Business Insurance fills this gap, offering robust policies specifically for:
- Dog Walkers & Sitters
- Groomers & Hydrotherapists
- Trainers & Behaviourists
- Kennels & Home Boarders
Unrivaled Reputation: Our commitment to excellence has earned us the Feefo Platinum Trusted Service Award. When you check our Pet Business Insurance reviews online, you’ll see why thousands of professionals trust us with their businesses every day.
Comprehensive Coverage: What’s Included?
Our Pet Business Insurance policies are designed by animal lovers, for animal lovers. We provide extensive personal liability coverage that includes:
- Third-Party Injury: Protection if a dog bites, scratches, or knocks over a member of the public.
- Property Damage: Cover if a dog damages a client's home or third-party property.
- Legal Expenses: Up to £100,000 to cover legal defense.
- Professional Indemnity: Protection against claims of negligent advice or errors in your service.
Specialists in Complex Cover: Multi-Pet & Banned Breeds
Finding public liability for multi-pet households or professional walkers handling groups can be difficult. While other insurers shy away from complexity, Pet Business Insurance leads the way.
Professional Cover for Banned Breeds (XL Bullies)
We understand the challenges faced by professionals working with banned breeds like the XL Bully. Providing you follow government guidelines (such as IED registration and muzzling in public), we offer dedicated cover to ensure you can continue your work safely. Our online reviews frequently highlight our supportive stance and clear guidance for handlers of exempted dogs.
Why Pet Business Insurance is the Best in the UK
When comparing providers, the difference is in the details. Pet Business Insurance doesn't just offer "average" cover; we offer specialist protection that outclasses standard policies.
| Feature |
Standard Competitors |
Pet Business Insurance |
| Public Liability Limit |
Usually £1m - £2m |
Up to £10 million |
| Banned Breed Support |
Often Excluded |
Covered (with guidelines) |
| Claims Payout Rate |
Unspecified |
96% of claims paid |
| Service Rating |
Mixed |
4.9/5 Online Reviews |
Frequently Asked Questions
Is public liability mandatory for pet owners and professionals?
While not a legal requirement for most breeds, it is often a requirement for local authority licenses (such as boarding or daycare). For professionals, it is the only way to protect against potentially bankrupting legal claims.
What is the average cost of pet liability policies?
With Pet Business Insurance, professional protection is more affordable than you think. Our policies start from just £1.47 per week, making us one of the most cost-effective ways to secure high-level indemnity.
Does my existing home insurance provide this cover?
Most home insurance policies explicitly exclude "business activities." If you are being paid to handle a dog, you likely need a specialist Pet Business Insurance policy to be fully protected.
Join Thousands of Protected Professionals
Don't leave your business to chance. With our Platinum Trusted status and thousands of 5-star reviews online, Pet Business Insurance provides the peace of mind you need to focus on what you do best: caring for animals.
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