Animal bailee
Injury, illness, escape or death of animals in your custody.
Business Insurance
Animal services boarding, training and sitting.
Boarding kennels, doggy daycare, trainers and pet sitters all hold animals belonging to other people, often overnight and in groups.
Animal service businesses share one core exposure — custody of animals that belong to clients — but the surrounding risks differ. Group play brings animal-on-animal injury, boarding brings overnight responsibility, training brings a professional exposure, and pet sitting brings keys to client homes.
Group play, escapes and client keys
Animal-on-animal injury during group play is the most frequent boarding and daycare claim. Supervision ratios, group sizing and separation policies all feature in the underwriting and directly affect the terms available.
Escapes are the highest-severity claim, particularly where an animal reaches a road. For pet sitters, holding client keys adds a property exposure — damage or theft at a client's home while in your care needs addressing explicitly.
What it covers
The parts of a animal services insurance policy
General liability
Client and public injury, including bites to staff and visitors.
Client property
For sitters and walkers holding keys and entering client homes.
Premises and kennels
Buildings, runs, fencing and equipment.
Working with us
What we do differently
We are an independent agency, so we place your animal services insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Document supervision ratios and group separation policies
- Address key-holding and client property exposure if you sit or walk
- Confirm cover extends to transport if you collect and return animals
Common questions
Animal Services Insurance, answered
What is the most common boarding claim?
Animal-on-animal injury during group play. Supervision ratios, group sizing and separation policies are what carriers look at, and documenting them improves the terms available.
Am I covered if a dog escapes?
Animal bailee cover responds to escape, and it is the highest-severity claim in this trade, particularly where an animal reaches a road. Fencing and gate procedures are underwritten closely.
I hold keys to client homes. Is that covered?
It needs addressing specifically. Damage or theft at a client property while you have access is a distinct exposure from the animal care itself.
Related cover
Often arranged alongside this
Pet Grooming Insurance
The animal in your care is, in insurance terms, somebody else's property. That is what animal bailee cover exists for.
Read moreGeneral Liability Insurance
Commercial general liability covers claims brought against your business by other people. It is also the policy almost every client contract and commercial lease requires you to hold.
Read moreBusiness Insurance
A shop, a contractor and a software firm face entirely different risks. We place commercial cover across multiple carriers rather than fitting you to one company's template.
Read moreReady for a animal services insurance quote?
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