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Pet shop insurance

We understand traditional business, since 1990 we've provided business insurance to protect you and your livelihood.

Why choose us?

  • Our employers' liability insurance comes with £10 million cover as standard
  • Easy online access to your policy documents
  • Our contact centre is based in south Wales and our staff are ready to help with your insurance needs
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What is pet shop insurance?

Any individual or business that owns or operates a pet shop should have access to relevant, reliable insurance. While every company is different, it is important to ensure that all the elements of your business are covered, from pet care, food handling, or any cosmetic or medical treatments that you may offer pets.

Dealing with animals and family pets can leave even the most diligent business vulnerable to claims from customers and staff on a day-to-day basis. This can be as simple as covering your duty of care to clients and their pets to ensuring that your transport and equipment is fully taken care of.

Having the right policy for your business means that you can remain fully compliant with the letter of the law and know that your customers and employees are fully covered if the worst comes to the worst. If you need a specific quotation you can use our on-site quote builder to get a better sense of the variables your business will need to cover, making sure that your team and the animals in your care are looked after.

Who needs pet shop insurance?

Any professional operating in a public-facing industry should have some form of professional insurance and pet shop owners are no exception.

Even if your store only sells items for pets or if your team actively handles animals, securing appropriate insurance is a must. Store owners face a range of risks that individuals from other industries would be exempt from such as dealing with bites, scratches, and infections from pets that can affect your staff or customers. This can also involve any issues around spoiled food, defective toys and harnesses, or simple damage when loading and unloading wares.

Ensuring that your unique case is considered is essential when it comes to finding correct coverage. Our team are happy to work with you to ensure that all possible variables are covered and that you and your staff are properly protected in any eventuality.

What does pet shop insurance cover?

Every pet shop may be unique, but there are several specific strands of insurance that you should consider adding to your policy. These include:

Public liability Insurance: Any store or business owner has a legal ‘duty of care’ to make sure that individuals on your premises are safe and not subject to the risk of injury. Holding Public liability insurance means that any trips and falls, accidents, and bites or scrapes are fully covered in the event of a claim. This allows you to continue working without disruption in your cash flow or adverse impact on your business if accidents do occur.

Goods in Transit Insurance: Whether you sell items, food, or other supplements, securing goods in transit insurance means that you will be protected in the event of damage or theft – allowing you to be compensated for any lost or unsellable property. Failing to secure the proper coverage for your items is a key issue for many businesses and securing a policy that is right for you can insulate you and your business from harm.


  1. Since 1990, we've been helping businesses find the cover they need to stay protected
  2. UK based contact centre trained to help you with your insurance queries
  3. Ability to obtain a policy with cover up to £10 million
  4. Flexibility to adapt your policies throughout the year

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Read our FAQ's

The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required. 

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As an employer in the UK, you’ll need to protect yourself and your company against claims of negligence brought by an employee. It’s a legal requirement for you to take out employers liability insurance cover to insure against liability for injury or disease to your employees arising out of them working for you.

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Before insurers quote you a premium for your contractors' all risk policy, they will first consider a number of factors in order to determine what kind of risk you are.

Such factors will include the scope, value, location and duration of the work you will be undertaking.

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