Dog Walker Insurance for Solo Walks, Group Walks, Home Visits and Mobile Services

Professional Dog Walkers and Pet-Care Businesses

Dog Walker Insurance can be relevant to sole traders, mobile walkers, group walking services, franchises and companies employing several walkers.

The broker should understand the number of dogs handled, services provided, walking locations, vehicle use, customer-key arrangements and whether dogs are ever kept without their owners present.

Solo Walks Group Walks and Home Visits

Services can include individual walks, managed group exercise, puppy visits, senior-dog care, comfort breaks, feeding and collection from customers’ homes.

Additional training, behaviour work, daycare, boarding, grooming or pet sitting should be declared rather than assumed to be included.

Dogs Owners and Members of the Public

A dog walker can be responsible for clients’ dogs while working near pedestrians, cyclists, children, livestock, wildlife and other animals.

Breed, size, age, health, recall, previous bites, aggression and escape history can all affect the risk presented.

Keys Vehicles and Mobile Collection

Many walkers hold keys, enter unattended homes and transport several dogs between customers and walking locations.

The broker should know how keys are secured, what vehicles are used, how dogs are restrained and whether vehicles contain cages, barriers, ventilation or temperature monitoring.

Equipment Records and Working Practices

Leads, harnesses, muzzles, long lines, crates, ramps and tracking equipment should be inspected and used appropriately.

Customer instructions, dog assessments, consent, incident reports, veterinary details and emergency contacts should be recorded clearly.

Accidents Escapes and Potential Claims

Claims can involve bites, falls, escaped dogs, road incidents, injured animals, lost keys, damaged customer property or allegations of unsuitable care.

Cover depends on the declared services, limits, exclusions, excesses and individual circumstances of each incident.

Self-employed dog walkers

A self-employed walker may operate entirely from home while travelling to customers and public walking locations.

The broker should receive accurate information about annual income, working radius, number of appointments, maximum dogs handled and whether anyone provides cover during holidays or illness.

A walker described as a sole trader may still have Employers’ Liability responsibilities if assistants or other people work under their direction.

Public Liability Insurance is a central consideration where a dog, lead or walking activity could cause accidental injury or third-party property damage.

Solo dog walking

Solo walks may be appropriate for puppies, older dogs, nervous animals, dogs recovering from illness or dogs that cannot safely join a group.

The walker should understand why the owner has requested an individual service. A dog kept separate because of aggression, guarding or previous bites presents different considerations from a sociable dog receiving individual attention.

The enquiry should state whether the dog remains on lead, uses a long line or is released in an enclosed area.

Group and pack dog walking

Group walking can involve several dogs belonging to different households being exercised by one person.

The insurer may impose a limit on the number of dogs handled by each walker. The business should disclose its actual maximum rather than relying on a general description such as “small groups”.

Compatibility assessments can consider size, age, play style, recall, guarding, prey drive, health and behaviour inside the vehicle.

The walker also needs a controlled process for adding new dogs to an established group.

Paired walks and smaller groups

Paired walks and carefully managed small groups can provide an alternative between solo and larger pack walking.

Even two dogs can pull in different directions, become tangled or react differently to an approaching dog.

The walker should select dogs based on compatibility and safe control rather than collection convenience alone.

Puppy visits and short walks

Puppy services can include comfort breaks, short walks, feeding, cleaning minor accidents and supervised play.

The walker should record the puppy’s age, vaccination status, feeding instructions and authorised exercise.

Any formal obedience instruction or structured puppy programme should be declared as training rather than presented as routine walking.

Senior dogs and dogs with additional needs

Older dogs may require shorter routes, slower exercise, lifting assistance or more frequent home visits.

The walker should understand relevant health limitations, medication and veterinary instructions.

Administering medication or providing post-operative care should be disclosed because it can extend beyond ordinary walking services.

Rescue dogs and incomplete histories

A rescue dog may have an incomplete behavioural or medical history.

The walker should not assume that the absence of a recorded bite means the dog has no aggression, fear or escape risk.

An introductory assessment, owner-accompanied walk and controlled equipment check can help the walker understand the dog before accepting sole responsibility.

Reactive dogs

Reactive dogs may bark, lunge or attempt to escape when exposed to people, dogs, vehicles, livestock or other triggers.

The broker should be told whether reactive dogs are accepted and whether they are walked individually, muzzled or taken to quiet locations.

Known incidents, attempted bites and previous claims should be disclosed accurately.

Where structured behaviour assessment and modification form the main service, the separate Pet Behaviourist Insurance page provides a more specific route.

Aggressive dogs and bite histories

A dog with a previous bite or serious aggression can present a significantly different exposure.

The enquiry should explain who was bitten, the circumstances, injury severity, current management and whether the dog is subject to any restrictions.

The walker should not accept an aggressive dog without confirming that the activity falls within the insurer’s appetite.

Protection work, attack training and handling security dogs should not be included under an ordinary dog walking description.

On-lead walking

On-lead walking can still produce injuries if a dog pulls someone over, wraps a lead around a pedestrian or moves into the path of a cyclist.

The walker should check collars, harnesses, clips and leads before leaving the customer’s property.

Where owners supply equipment, the walker should have a procedure for reporting worn, damaged or unsuitable items.

Off-lead exercise

Off-lead walking can create risks involving escape, livestock, wildlife, roads, other dogs and members of the public.

The walker should establish whether the owner permits off-lead exercise and whether the dog has reliable recall.

The broker should know whether off-lead activity is limited to secure fields or takes place in open public spaces.

Owner consent does not remove the walker’s responsibility to assess the location and conditions.

Long lines and extending leads

Long lines may be used for recall practice or controlled exploration.

They can create trip, entanglement and friction injuries if used near pedestrians, cyclists, dogs, trees or street furniture.

Extending leads may also behave differently from fixed leads and should be suitable for the dog’s strength and the environment.

Muzzles and specialist handling equipment

Some dogs may use basket muzzles, double-ended leads, head collars or multiple attachment points.

The walker should know how to fit and use any specialist equipment properly.

A muzzle should not be treated as removing every bite or handling risk. Equipment use and the reasons it is required should be explained to the broker where material.

Parks commons and public spaces

Parks and commons can contain children, sports activities, picnics, wildlife, cyclists and other dogs.

A route that is quiet at one time may become crowded later in the day or during school holidays.

The walker should maintain suitable control and follow any local restrictions affecting dogs or group walking.

Streets and urban walks

Urban dog walking can involve traffic, driveways, narrow pavements, delivery vehicles and crowded pedestrian areas.

The walker may collect dogs from flats, shared entrances and gated developments before reaching the walking route.

Road awareness and secure transfer between the property and vehicle are particularly important.

Woodland and countryside routes

Woodland and rural walks can involve livestock, wildlife, farm machinery, water, fallen trees, uneven paths and limited mobile reception.

Dogs with a history of chasing animals should be identified before using rural routes.

The walker should consider whether emergency vehicle access is possible if a dog or person is injured.

Beaches rivers and lakes

Some businesses offer walks near coastal water, rivers, lakes or reservoirs.

The broker should be told if dogs are encouraged to swim or routinely enter water.

Tides, currents, cliffs, unstable banks, seasonal restrictions and water quality can make a location unsuitable even when dogs are normally exercised there.

Secure dog walking fields

A secure field may provide controlled off-lead exercise for groups or dogs with unreliable recall.

The walker should check fencing, gates, ground conditions and access before releasing dogs.

Responsibility for supervising the animals remains important even where the field owner describes the premises as secure.

The enquiry should clarify whether the field is privately booked or shared with other users.

Customer homes and residential premises

Dog walkers often enter customers’ homes while the occupants are absent.

The walker may encounter alarms, shared entrances, open windows, contractors, cleaners, children, other pets and unsecured garden gates.

Accidental damage to doors, floors, furniture or personal belongings could lead to a liability claim.

The business should use a reliable system for recording access instructions without exposing sensitive customer information.

Customer key holding

Keys, fobs and alarm instructions can create a substantial responsibility.

Keys should be coded without displaying a customer’s address and stored securely when not in use.

The broker should know how many sets are held, whether employees take keys home and what happens when a walker leaves the business.

Insurance for lost keys, replacement locks and resetting security systems may be available, but the exact scope and limit must be confirmed.

Alarm systems and entry instructions

A walker may accidentally trigger an alarm, fail to secure a door or misunderstand an access instruction.

Customer records should identify the agreed entry process, alarm contacts and any areas of the property the walker may use.

Sensitive codes should not be shared through insecure messages or left inside vehicles.

Mobile collection rounds

A mobile walker may collect several dogs before travelling to the main exercise location.

The route should allow sufficient time for safe collection, restraint, transport and return rather than treating driving time as part of the walk.

The insurer may want to know the maximum number of dogs inside the vehicle and the longest journey undertaken.

Vehicles used by dog walkers

Cars, vans and converted vehicles can be used to carry dogs, cages, barriers, ramps, cleaning materials and walking equipment.

Commercial Vehicle Insurance may be relevant where a van or other commercial vehicle is used for the business.

Companies operating several vehicles may require Motor Fleet Insurance.

The motor insurer should be told that clients’ dogs are transported for payment. A private-use description may not reflect the actual vehicle use.

Crates restraints and vehicle separation

Dogs may be carried in separate crates, divided compartments or with suitable vehicle restraints.

The walker should consider compatibility, ventilation, temperature, loading order and emergency access.

A dog can escape during loading even when it was secure throughout the journey. Leads, doors and gates should therefore be managed carefully during every transfer.

Dogs left in vehicles

Dogs should not be left in conditions that could endanger their health or welfare.

The broker may ask whether animals are ever unattended and what ventilation, temperature monitoring and security arrangements are used.

Any unattended-vehicle or heat-related exclusions should be checked carefully.

Accidents during transport

A road collision could injure dogs and damage cages or equipment.

Motor insurance, animal-custody protection and equipment cover may respond differently to the same event.

The walker should have emergency owner and veterinary contact details available without relying entirely on a damaged or inaccessible phone.

Care custody and control

A client’s dog is commonly under the walker’s care, custody or control from collection until safe return.

Suitable protection may respond to certain eligible incidents involving accidental injury, illness, loss, escape or death.

Veterinary fees, search costs, advertising costs and rewards should not be promised as covered unless included in the policy wording.

The broker should understand precisely when custody begins and ends, particularly when a walker collects a dog from an unattended home.

Animal illness and veterinary emergencies

A dog may become ill or injured during a walk without the cause being immediately apparent.

The business should hold the owner’s contact information, usual veterinary details and emergency instructions.

The walker should know what authority has been given to obtain urgent treatment if the owner cannot be contacted.

Any insurance response will depend on the cause, legal responsibility and animal-custody cover arranged.

Dog escapes

Dogs can escape through open doors, insecure gates, damaged fencing, unsuitable collars or vehicle-loading areas.

The walker should act promptly, notify the owner and keep an accurate record of the circumstances.

Insurance for search costs, advertising, rewards or third-party damage caused by the missing dog depends on the specific policy terms.

Dog bites and attacks

A dog could bite the walker, another client, a child, a cyclist, a delivery driver or the owner of another dog.

The walker should record the location, witnesses, injuries, first aid and events leading to the incident.

Known aggression and previous bites must be disclosed when insurance is requested. Information should not be withheld because the dog normally behaves well with the walker.

Dog-on-dog injuries

Dogs can injure one another during play, competition over resources or an unexpected confrontation.

Compatibility assessments, controlled introductions and appropriate group sizes can reduce the likelihood of incidents.

The insurer may consider whether the walker recognised warning signs and whether the group was managed reasonably.

Working near livestock and horses

Dogs may react unpredictably around livestock and horses.

The walker should follow local rules, maintain suitable control and use a lead where circumstances require it.

A loose dog could injure livestock, frighten a horse or cause an accident involving a rider.

Children and vulnerable people

Dog walks may take place near schools, playgrounds and family recreation areas.

The walker should not allow interaction merely because a child asks to touch a dog.

Dogs with uncertain behaviour should be kept at an appropriate distance, and any organised activity involving children should be declared.

Dog waste and environmental responsibilities

Walkers should carry suitable waste bags and dispose of waste responsibly.

Leaving waste, using unsuitable disposal points or failing to comply with location rules could lead to complaints, penalties or loss of access.

Waste-handling responsibilities are separate from insurance protection.

Weather and route changes

Hot weather, ice, flooding, storms and poor visibility can make ordinary routes unsuitable.

The walker may need to shorten, relocate or cancel a walk according to the dog’s age, breed, health and the conditions.

Owners should understand how the service operates when weather prevents the booked walk from proceeding normally.

Feeding and medication

Some walkers feed dogs, refresh water or administer routine medication during home visits.

Medication services should be disclosed, particularly where timing, dosage or specialist handling is involved.

The walker should use written instructions and record what was administered. Clinical treatment and invasive procedures fall outside ordinary dog walking.

Training during walks

A walker may reinforce cues supplied by the owner or a professional trainer.

Formal assessments, behaviour programmes and paid obedience instruction can create additional professional exposures.

The Dog Training Insurance page is relevant where structured canine training forms a substantial part of the business.

Professional Indemnity Insurance may require consideration where the walker charges for individual advice or written programmes.

Pet sitting and dog minding

Some walkers provide comfort visits, feeding or extended daytime care.

The Dog Minder Insurance page provides a more specific route where minding and pet-care visits extend beyond scheduled walks.

The enquiry should explain how long each dog remains under supervision and whether care takes place at the customer’s property or elsewhere.

Dog daycare and home boarding

Taking dogs to the walker’s own home or keeping them overnight introduces additional premises, supervision and animal-care risks.

The Dog Home Boarding Insurance page is relevant where dogs stay at a domestic property.

The business should check current licensing, planning, tenancy and local authority requirements where applicable. Insurance should not be presented as replacing those obligations.

Grooming services

Basic cleaning after a muddy walk differs from offering commercial grooming, clipping or nail services.

The Mobile Dog Groomer Insurance page is relevant where grooming is provided commercially at customer homes or from a fitted vehicle.

Grooming equipment, treatments and animal-care procedures should be declared separately.

Dog microchipping

Implanting and registering microchips is not an ordinary dog walking activity.

The Dog Microchipper Insurance page provides a distinct route for trained businesses offering this service.

The broker should be told if microchipping is provided during visits, events or alongside other pet-care work.

Employees

A growing business may employ walkers, drivers, administrators or pet-care assistants.

Employers’ Liability Insurance is generally required where a business employs people, subject to limited exemptions.

Employee training should cover dog handling, vehicle loading, customer keys, incident reporting, lone working and emergency procedures.

Group Personal Accident Insurance may also be considered for eligible accidental injuries affecting insured employees or other people.

Subcontractors and substitute walkers

A business may use subcontractors during busy periods, holidays or illness.

The broker should understand whether they work independently or under the main business’s direction, whose terms are issued and who receives payment from customers.

The principal walker should retain evidence of qualifications and insurance where appropriate. A subcontractor’s policy should not be assumed to remove every responsibility from the main business.

Dog walking franchises

Franchise arrangements may involve shared branding, booking systems, training and customer terms.

Each franchisee should establish whether it needs its own insurance and which liabilities remain with the franchisor.

The broker should receive copies or descriptions of any contractual insurance requirements.

Lone working

Dog walkers frequently work alone in remote locations and enter unattended properties.

The business may need procedures for recording routes, expected return times, emergency contacts and incidents.

Mobile phone coverage, personal safety and the ability to obtain help should be considered when selecting rural routes.

Personal accident

A walker could suffer a bite, pulled joint, fracture or other injury that prevents them from working.

Personal Accident Insurance may provide selected financial benefits following an eligible accident.

The benefit amount, waiting period, occupation definition and exclusions should be reviewed before cover is described.

Working from home

A home-based dog walker may use a spare room for bookings, records, accounts and customer communications.

Working From Home Insurance can be relevant where computers, client keys, dog equipment or retail stock are kept at the property.

The household insurer should know if employees, customers, couriers or dogs visit the home.

Home studios and garden offices

A separate room, garden studio or converted outbuilding may be used for administration, video content and online consultations.

Studio Insurance may be relevant to dedicated workspaces, cameras, computers and other business contents.

If dogs are received at the studio or kept anywhere on the property, this must be declared specifically.

Offices and administrative premises

A larger walking company may coordinate employees and customer bookings from a separate office.

Office Insurance can be relevant to office contents, liabilities and declared premises.

An office where dogs are regularly held should be described as such rather than presented as purely administrative.

Commercial units and pet-care premises

Some businesses use a commercial unit for equipment cleaning, storage, staff meetings or temporary dog handling.

Commercial Property Insurance may be relevant to buildings, tenants’ improvements and other insured property.

Business Interruption Insurance may help protect eligible income following insured damage that disrupts the business.

Use of the premises by dogs must be disclosed because it can materially affect the risk.

Business equipment

A dog walking business may own cages, barriers, ramps, leads, long lines, water containers, towels, cleaning equipment, first-aid kits, phones and GPS devices.

Business Contents Insurance may protect eligible equipment at declared premises.

Cover away from the premises, outdoors or inside unattended vehicles should be checked rather than assumed.

Storage and self storage

Equipment and retail stock may be kept at home, in a garage, outbuilding, commercial unit or external storage facility.

Storage Insurance is relevant where business property is held away from its main operating address.

Business Goods and Stock in Self Storage provides a specific route for commercial equipment and stock kept inside a self-storage unit.

Each address, maximum value and security arrangement should be disclosed.

Goods in transit

A walker may transport equipment, cleaning supplies and retail products between home, vehicles, appointments and storage locations.

Goods in Transit Insurance may protect eligible business goods while being carried, depending on the policy terms.

Live dogs require separate consideration under animal-custody and motor arrangements.

Online bookings and business websites

Customers may book and pay through a website, marketplace, app or social media page.

The Website and Online Business Insurance page is relevant where the walker relies on ecommerce systems, digital subscriptions or online product sales.

Booking terms should explain cancellations, access arrangements, bad-weather procedures and the services purchased.

Cyber and customer data

Dog walkers can hold customer names, home addresses, alarm details, key records, payment information and details of when properties are unoccupied.

Cyber Insurance may be relevant to data breaches, malicious attacks, fraudulent instructions and interruption to booking systems.

Sensitive information should be stored securely and access removed promptly when employees or subcontractors leave.

Social media and customer photographs

Walkers often provide photographic updates and promote their services using pictures of clients’ dogs.

Suitable permission should be obtained before publishing identifiable images.

Photographs should not reveal customer addresses, key arrangements or real-time information showing that a home is unattended.

Products and accessories

A walking business may sell leads, harnesses, water bottles, waste-bag holders, toys or branded clothing.

Product Liability Insurance may be relevant where a supplied product causes injury or damage.

Imported, modified, own-brand and privately labelled products should be disclosed because the seller can acquire additional responsibilities.

Business stock

Business Stock Insurance may be relevant to pet accessories and merchandise held for sale.

The broker should know the maximum stock value, where it is stored and whether goods remain in vehicles overnight.

Seasonal increases and high-value accessories should also be declared.

Records and customer agreements

The business should record owner contact details, veterinary information, walking permissions, feeding instructions, medical conditions and behavioural history.

Agreements can clarify group walking, off-lead permission, vehicle transport, emergency treatment and access to the customer’s home.

A waiver should not be presented as removing every legal responsibility.

Incident reporting

Bites, escapes, injuries, lost keys, vehicle incidents and property damage should be recorded promptly.

Useful records can include the time, location, people present, dogs involved, photographs, witness details and actions taken.

Potential claims should be reported according to the insurer’s requirements without admitting liability prematurely.

Relevant insurance considerations

Public liability insurance

Public Liability may respond to certain eligible claims involving accidental injury to another person or accidental damage to third-party property.

The broker may ask about group size, off-lead walking, locations, previous incidents and any contractual liability limits.

Dogs in care custody and control

This protection may apply to eligible incidents involving clients’ dogs while under the walker’s supervision.

Veterinary fees, death, loss, escape and search costs are subject to the particular wording, limits and exclusions.

Loss of keys

Key protection may contribute towards eligible replacement-lock or security costs following the loss of customer keys.

The business may need to follow specific coding and storage conditions.

Employers’ liability insurance

This should be considered where the business employs walkers, drivers or administrative staff.

The employment status of casual workers and subcontractors should be explained to the broker.

Professional indemnity insurance

Professional Indemnity may be relevant when the walker charges for professional recommendations, assessments or structured care plans.

Routine factual updates about a walk do not necessarily create the same exposure as personalised behavioural or training advice.

Product liability insurance

This can be relevant where leads, harnesses, toys and other products are sold or supplied.

Equipment and contents insurance

Owned cages, ramps, tracking devices, phones and walking equipment may need protection at the premises and temporarily elsewhere.

Business stock insurance

Accessories and merchandise held for sale should be insured for their maximum replacement value where suitable protection is required.

Goods in transit insurance

Equipment and stock may need cover while being transported between premises and customers.

Commercial vehicle insurance

Vehicles used for paid dog collection and transport should have the correct business use declared.

Personal accident insurance

A walker may wish to consider protection against selected financial consequences of an eligible accidental injury.

Cyber insurance

Cyber protection may be relevant because a walking business can hold particularly sensitive information about customers’ homes.

Commercial property and business interruption

These sections may be relevant to businesses occupying an office, storage unit or specialist pet-care facility.

Pedestrian Is Knocked Over By A Dog

A dog changes direction during a group walk and knocks over a pedestrian. Public Liability Insurance could be relevant to an eligible claim, subject to responsibility and policy terms.

Cyclist Falls Avoiding An Off-Lead Dog

A cyclist alleges that an off-lead dog moved into their path. The insurer may examine the location, owner’s permission, the dog’s recall and the walker’s control.

Dog Escapes During Collection

A dog passes through an open front door while being collected from the customer’s home. Animal-custody protection may be relevant depending on when responsibility transferred to the walker.

Client Dog Is Injured In A Group

Two dogs become involved in an altercation and one requires veterinary treatment. The insurer may consider compatibility assessments, supervision and previous behaviour.

Dog Bites Another Walker

A client’s dog bites a member of the public who approaches during a walk. Known aggression, warning signs and the walker’s precautions may be examined.

Customer Key Is Lost

A walker loses a coded key while travelling between appointments. Key protection may contribute towards eligible replacement-lock costs if policy conditions were followed.

Customer Property Is Damaged

A dog damages flooring and furniture while being returned to an unattended home. Public Liability may be considered according to the circumstances and policy exclusions.

Dog Is Injured Inside A Vehicle

A dog suffers an injury when the vehicle brakes sharply. The response could involve motor insurance, animal-custody protection and the suitability of the restraint system.

Walker Suffers A Serious Bite

A self-employed walker is bitten and cannot work for several weeks. Personal Accident Insurance may be relevant if appropriate protection was arranged.

Employee Is Pulled Over

An employed walker suffers an injury when several dogs pull unexpectedly. Employers’ Liability may respond to an eligible workplace injury claim.

Retail Harness Allegedly Fails

A customer alleges that an own-brand harness failed and allowed their dog to escape. Product Liability may be relevant, subject to the product details and policy terms.

Customer Data Is Exposed

A compromised booking account reveals customer addresses and access information. Cyber Insurance may be relevant to investigation, notification and recovery costs where suitable cover exists.

Commercial Combined Insurance

A broader arrangement that may combine liability, contents, property, stock and interruption protection for an established pet-care business.

Business Legal Expenses Insurance

May provide assistance with selected employment matters, contractual disputes and other eligible commercial legal issues.

Directors and Officers Insurance

Relevant to potential personal liability arising from decisions made by directors and officers of incorporated dog walking businesses.

Commercial Property Owners Insurance

For landlords owning commercial units, offices and specialist premises occupied by pet-care businesses.

Terrorism Insurance

Additional property and interruption protection that businesses occupying certain commercial premises may wish to consider.

Commercial Trailer Insurance

Potentially relevant where a commercial trailer carries cages, barriers, cleaning equipment or other business property.

Equipment Hire Business Insurance

For businesses hiring equipment to customers or commercial organisations rather than merely using it during their own services.

Warehouse Insurance

For businesses occupying warehouse premises containing commercial equipment, pet products and other stock.

Importers and Exporters Insurance

Relevant where a pet-care business imports accessories, sells goods overseas or develops a substantial international retail operation.

Wholesaler Insurance

For businesses supplying dog leads, harnesses, toys and other pet products in bulk to commercial customers.

Distributor Insurance

For companies distributing pet products through retailers, online sellers and professional animal-care businesses.

Shop Insurance

A broader route where selling pet accessories from a physical retail premises becomes a substantial part of the business.

Activities Liability Insurance

For organisations arranging structured public activities that extend beyond ordinary dog walking or individual pet care.

Animal Acts Performers Public Liability Insurance

For handlers providing declared animal demonstrations, displays or entertainment in front of audiences.

Petting Farm Insurance

For visitor attractions allowing supervised interaction between members of the public and farm animals.

Falconry Display Public Liability Insurance

For falconers delivering public bird displays, educational demonstrations and handling experiences.

Equestrian Business Insurance

A specialist route for commercial businesses working with horses, riders, equipment and equestrian premises.

Riding School Insurance

For riding schools providing lessons, supervised equestrian activities and care of horses.

Livery Yard Insurance

For businesses providing stabling, grazing and associated services for customers’ horses.

Guided Walks Public Liability Insurance

For businesses and organisations leading planned public walks rather than providing dog walking or pet-care services.

Events Public Liability Insurance

Relevant where a pet business separately organises a dog show, community event or public demonstration.

Event Venue Insurance

For owners and operators of venues hired to trainers, activity providers, clubs and event organisers.

Market Trader Public Liability Insurance

For traders selling pet accessories and other products from temporary stalls at markets and public events.

Sports Goods Retailer Insurance

For retailers selling sports, outdoor and activity equipment through shops, websites and marketplaces.

Listed Buildings Insurance

Specialist property information for owners of buildings protected because of their historic or architectural importance.

Cottage with Waterwheel Insurance

For unusual residential properties incorporating a waterwheel, watercourse or associated historic machinery.

Barber Shop Insurance

For barbers operating from shops, salons, rented chairs and other commercial premises.

Cake Maker and Seller Insurance

For cake makers, home bakers, commercial kitchens, market traders and online sellers.

Cherry Picker Insurance

For owners, operators, hire businesses and contractors using mobile elevated work platforms.

Scissor Lift Insurance

For businesses owning, hiring, operating or supplying scissor lifts and related access equipment.

Restaurant Insurance

For restaurants, bistros, licensed dining businesses and food-led hospitality premises.

Car Interior Upholsterer Insurance

For vehicle trimmers, seat repairers, restorers and mobile car interior specialists.

Powder Coater Insurance

For industrial coating businesses, metal finishers, workshops and specialist manufacturers.

Wallpaper Shop Insurance

For wallpaper retailers, decorators’ merchants, online sellers, importers and stockholding businesses.

Rugby Liability Insurance

For rugby clubs, coaches, teams and organisations arranging training and sporting activities.

Canoe Hire Business Insurance

For businesses hiring canoes, paddles, buoyancy equipment and associated watersports equipment.