Dog walkers' insurance
Protection for you, the pups in your care and your dog walking business.
Our customisable insurance starts with public liability and lets you choose the rest.
What does dog walking insurance cover?
The endless cuddles, tail wags and fresh air make dog walking the perfect job. And while you don’t want to imagine the worst, something going wrong while a dog is in your care could cause serious financial charges and put your trusted reputation at risk.
Dog walking insurance is designed to protect you and your business from claims made against you by the public, your clients or employees.
10% of pet walkers paid £6.10 a month or less for their Superscript business insurance between July and Spetember 2022.
- Fully flexible cover
- Rolling monthly subscription
- No fees to cancel or make changes
- Build a policy around your needs
- Protect yourself and the public
- Add cyber cover to protect your digital presence
Get dog walking business insurance in less than 10 minutes.
Change your level of cover at any time for no extra cost.
What insurance do I need for a dog walking business?
Public liability insurance
Public liability insurance for dog walkers doesn't just cover claims made against you by the public for accidental injury and property damage, it also covers the death, harm to or disease of any animal in the course of your business.
So, if you're on a walk and Fido accidentally gets kicked by a horse, or Chester bites a stranger or Sandy eats something she shouldn't and becomes ill, you'd be covered for the legal and compensation costs if someone made a claim against you.
Employers' liability insurance
Whether it's one part-time worker or a team of people, if you have hires helping out with your dog walking services, employers' liability insurance (EL) is a legal requirement for your business in the UK. If it's just you at the moment but you're thinking about hiring in the future, our monthly subscription makes it easy to change your cover and add EL to your policy any time you like – free of charge.
Personal accident cover
If you suffer from an injury while you're out on a walk that means you're no longer able to work, personal accident insurance can pay you compensation to cover your earnings until you can get back on your feet.
Business equipment cover
Whether it's specialist leads or dog toys, or the laptop and phone you use to take bookings and manage your client base, your equipment is vital to keeping your dog walking business on the move. Business equipment insurance covers you if your stuff is lost, stolen or damaged.
If you hold the personal details of your clients – such as contact information or card details – on your laptop or phone, you may like to consider cyber insurance. If you experience a data breach or cyber attack, cyber insurance can cover your liability for handling data, financial loss as a result of the breach or a breach of data protection laws.
We've made insuring your business simple. Get started.
Dog walker insurance claims examples
There are various different types of insurance claim that you may have to make as a professional dog walker, so here are a few examples of specific claims that would be covered by Superscript’s flexible policy:
When you're out walking a client's dog, your furry companion is startled and ends up biting a member of the public, causing them to have to go to the hospital. Your public liability insurance will cover your legal and compensation costs in the event of a claim.
Stolen client data
You store your client's details on your laptop in order to manage booking. If cyber criminals attack your system and steal your customer's personal details, cyber insurance covers your legal and compensation costs in the even of a claim after a data breach.
While out running, you trip awkwardly and sprain your ankle, meaning you cannot do any dog walking for a fortnight, costing you business and earnings. Your personal accident cover can pay you compensation to cover your earnings while you're not able to work until you can get back on your feet.
How do dog walker insurance claims work?
The below is a good guide of the process and timescales you can expect when you need to make a claim under your policy.
If you’re ever unsure whether you can or should claim it’s best to get in touch and we can let you know.
Notify us of the claim
Contact us by email at firstname.lastname@example.org, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.
Ideally this should be done as soon as possible and within 30-days of you becoming aware of anything which you think may be covered by your insurance.
A good indicator of whether or not to let us know is if there’s an issue which may require a payment to be made on your behalf.
We'll get on the case
We’ll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you’ll receive email confirmation of your Superscript claims reference and contact information should you need to speak to us.
We will then reach out to you within 48 hours to request any extra information we need to progress your claim.
We’ll keep you updated on the next steps as the claim progresses.
A decision is made
We’ll let you know if your claim is successful or not. At Superscript, if your claim isn’t covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.
If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within 5 working days.
Dog walking insurance FAQs
If you are a sole trader dog walker, then legally you do not need to have insurance, however many dog walkers take out covers such as public liability insurance and personal accident insurance to cover themselves and their business from the potentially costly claims that could arise if things go wrong.
Also, if you have any employees, you are legally required to have employers' liability insurance in the UK.
Yes, we can cover both dog walking and dog sitting as part of your policy. Simply add this as an extra service when you're building your quote.
No. All you need to tell us to get insured is your business structure, the type of work you do, whether you have employees and your turnover.
If the dog was properly clipped onto a lead with a collar or harness and managed to wriggle out of your grip or bolted away from you, we can provide cover for the legal and compensation costs if a claim is made against you.
The price of your quote will depend on factors such as number of employees, level of cover and turnover. Our dog walking cover is available from £5.00 a month.
Yes. HMRC considers all business insurance premiums to be an 'allowable expense' and you can deduct the cost of your insurance subscription from your taxable profits for the year.
You should ensure that you keep all documents referring to your insurance policy as proof of payment in the event that your business is audited by HMRC.
Superscript's business insurance is fully flexible and designed to accommodate your business as it changes and grows. You can amend of cancel your policy any time without any fees.
For instance, if you are a sole trader then expand to take on employees during the term of your policy, just let us know and we can add employers insurance to your policy with no fees for making the change.
Insurance is just one aspect of starting your dog walking business. You can read our guide to starting a dog walking business to learn more.
There is no single answer to this question. Each local authority in the UK will have different rules surrounding how many dogs can legally be walked by one person. For example, in the London Borough of Camden, the limit is four dogs per walker at any one time.
We recommend never exceeding the number of dogs permitted by the local authority as it can lead to an on-the-spot fine and could affect your insurance claim in the event of an accident.
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Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.