Dog Walking Insurance - Types of Dog Walking Insurance

Dog Walking Insurance

Starting a dog walking business is the ideal choice for dog lovers who want to make some money while enjoying their time with these playful and intelligent animals. Dog walking insurance is one of the major things to consider before initiating your venture. It can protect you from various kinds of liabilities and provide compensation to you in case you suffered an injury or incurred property damage. Take a look at the main types of covers available to see how they can help you develop your business and thrive.

Third Party Liability

This is the main type of dog walking insurance available. It is designed to provide financial compensation to third parties that suffered bodily injury or incurred property damage caused by a dog in your care. When you walk other people's pets you are responsible for the animals and for their behaviour.

If a dog gets lose and runs across the street and causes a car crash, the driver can make a compensation claim for any injury or car damage sustained against you. If this claim is accepted, you will have to pay the asked amount out of your pocket. A third party liability cover will allow you to have the payment made by the insurer.

The amount of third party liability dog walking insurance usually ranges from £1 million to £3 million. The premium is usually fairly small. The excess, which you will have to pay if you make a claim, is most often between £100 and £250.

Care, Custody and Control

This type of dog walking insurance is designed to cover your legal liability in case a pet gets accidently injured or lost whilst in your care. Usually, there is a set amount of cover for each pet which you are responsible for. It is up to you to decide how much coverage you will buy as the amount will be the major determinant of the price. In general, the excess is a fairly small sum, usually around 1 per cent of the amount of cover per animal.

There are notable exclusions to the care, custody and control dog walking insurance. The insurer may not accept a claim, if the dog's injury or loss is a direct consequence of breach of professional duty on the side of the walker. Still, more and more companies now offer to provide compensation irrespective of who was responsible for the accident. Pre-existing illnesses, injuries, medical defects and disabilities are typically not covered by this type of policy either. In general, you have to check the exclusions set by the insurer before you purchase such cover.

Personal Accident

This type of cover is designed to pay for your treatment and to compensate you for absence from work due to an injury caused by an accident during dog walking. This kind of insurance is quite useful to dog walkers given that they work with animals with all kinds of behaviours. The work involves plenty of physical activity as well and this automatically increases the risk of accidental injury. It is reasonable to buy a suitable amount of coverage that matches your needs and budget.

These are the main types of dog walking insurance. They are recommended for both single-person businesses and ones employing workers. The other types of covers offered as part of complete plans for dog walkers are purely business orientated. It is advised to purchase the cover benefits which will be most useful to you given the structure and operations of your venture.

Professional Indemnity

This type of dog walking insurance is standard business insurance in its essence. It covers your legal liability for any damages incurred due to breach of your professional duty when this breach results from negligence, error or omission. Typically, the cover includes any legal costs which you may have to pay if the person who has incurred the damage makes a claim for compensation via a court of law. This cover is quite useful to dog walkers given the fact that they work with animals which can be unpredictable and very hard to control at times.

Employer's Liability

This type of dog walking insurance is suitable for those who hire employees as their business expands. You are legally required to be insured of legal liability to your employees. Despite the complex terms, this type of insurance works quite simply. If any of your employees is involved in an accident while working and suffers an injury, you will have to compensate them. If you have employer's liability cover, the insurer will pay the compensation to your worker. Typically, legal costs are covered by the policy.

Equipment insurance

This dog walking insurance covers any type of portable equipment, which you use in your work, against damage, loss or destruction caused by an unforeseen peril. Typically, your equipment will be covered against all kinds of hazards from theft and explosion to fire and flood. Calculate how much any equipment which you use costs and figure out whether it is worth ensuring given that you will pay a price premium and a considerable excess fee in case you make a claim.

Consider the specifics your business, the clients which you work for and the dogs that you walk before you decide what kinds of dog walking insurance to purchase.