Frequently Asked Questions

Q. What Business Trades do you cover? A. We can cover all the following trades and are constantly adding new trades.

Q. Do you cover any dogs on the DDA?

A. Yes, we can cover you to work with Dogs on the Dangerous Dog Act as long as Government requirements are met and the dog has its own Certificate of Exemption and Public Liability cover.

Q. Am I covered to work with XL Bully Dogs?

A. Yes, until the ban comes into place on the 1st February 2024 you are covered to work with XL Bully Dogs. As of the 31st December, XL Bully dogs must be muzzled and on a lead in all public places.

Once the ban comes into place, you will still be covered to work with XL Bully Dogs, as long as you are meeting government requirements and the dog has its own certificate of exemption and Public Liability cover.

Please see Government guidelines below:

Prepare for the ban
Definition of an XL Bully

Q. I am not a business, can I still have insurance?

A. Yes. We can still provide cover for anyone looking after third-party animals. You do not need to be a business.

Q. What age do you have to be to have a policy?

A. You must be 16 or over to take out a policy. If you are paying by Direct Debit instalments, you must be 18 or over to take out a credit agreement.

Q. Can I amend my policy at any time?

A. Yes. You can amend your policy at any time. We do not charge a fee for amendments; we only charge if there is extra cover being added.

Q. Can I cancel my policy at any time?

A. Yes. You can cancel your policy anytime without any administration fees. Even better – Pet Business Insurance will refund your money, pro-rata, for any unused period of cover (as long as you haven’t made a claim of course!).
If you cancel within 14 days of purchase, we'll refund your policy payment in full. Now that’s a money back guarantee!

Q. What is the process for making a claim?

A. If you need to make a claim then please contact our specialist claims department on 01204 860425 (mon – Fri 9am – 5pm). If it is after office hours, then please email us details at info@petbusinessinsurance.co.uk.

Q. Are my own animals included?

A. Your own animals are not included in dog walking policies. This policy covers third party animals in your care only. However, if you are walking your own dog whilst walking client’s dogs, we can cover your own dog for Public Liability only.

Q. What happens if an animal in my care damages my property?

A. We do not provide cover for your own property for any of our pet business coverage options; whether it’s in-home pet sitting, grooming, or other services. Your public liability would cover any third-party property damage. You would need to check with your home insurance if you are insured for any damage to your property caused by your business.

Q. Am I covered if I get injured?

A. Not automatically, but we do offer the option to add Personal Accident cover onto your coverage for an additional premium.

Q. Do I need a boarding license?

A. Changes to the boarding licensing law were made in 2018, most Local Authorities require you to have a license. If you do not have one, then your insurance could be invalid in the event of a claim. You would need to check with your Local Authorities.

Q. Am I covered to hold a stall at a show?

A. Yes. Your policy includes free Events Cover (providing the stall is to do with your Pet Business).

Q. Do you cover any animal on the DWAA?

A. No. We cannot cover any Dangerous Wild Animals.

Q. Does my cover family and volunteers?

A. Yes, we provide automatic cover for helpers and volunteers as long as any money they bring in is included in your annual turnover.

Have more questions about your trade?

Learn more about what coverage looks like for your pet business and find answers to common questions specific to your trade.