There are many different types of pet shops – those that sell animal food and supplies only, those that also sell designer dog and cat clothing and accessories, and those that sell animals too.
Whatever type of pet shop you run, typically it may be vulnerable to a wide number of risks, not only to your premises, but your stock too. That is why you need to understand the risks that your business faces and make sure you have appropriate protection in place to protect your livelihood. This is something we at constructaquote.com can help you with.
Apart from buildings and contents insurance, you may need to consider public liability insurance, employers’ liability if you have staff, and cover for any business vehicles and stock being transported within it.
At constructaquote.com the policies we offer provide you on the exact protection your business may need, so you can have the peace of mind that your bases are covered.
Why use constructaquote.com for your pet shop insurance?
- We are experts in the provision of different types of business insurance so we understand your own unique business needs
- Our employers’ liability policy comes with £10 million cover as standard
- We service thousands of business policies per year in multiple different trades
- UK based call centre in south Wales - our friendly staff are on hand to help with your business insurance
What is pet shop insurance?
Many businesses will each have a pretty unique set of risks so simply purchasing a pet shop insurance package off the shelf typically may not do the job.
Compared to other businesses, yours may face additional risks, for example:
- An animal could bite staff or customers
- If you stock high end animal clothing and it gets stolen or damaged, the cost to replace these items could be cost-prohibitive
- The animal food supplies you sell may become contaminated (for example, a wild mouse sets up home in a sack of rabbit food, necessitating you to throw the food out)
- If an infection breaks out and spreads among the animals, you may not be able to sell them.
That is why pet shop insurance quotes should include a number of options that are not covered within a standard business insurance policy – and that is where we come in at contructaquote.com, by listening to your business needs we are able to offer policies for pet shops to ensure that your business is fully protected against the unexpected.
Apart from the specialist elements of cover offered in insurance for pet shops, there are other standard covers you may typically need – or which you may be legally obliged to have.
What does public liability insurance cover?
This cover is designed to protect your pet shop against claims by members of the public against personal injury (such as slips or trips or animal bites) or damage to their property.
While not a legal requirement, public liability is a recommended part of your pet shop insurance coverage, as you don't want to lose your business due to a member of the public having an accident and suing your business, or claiming for damaged property on your premises.
If you deliver pet food or use a company van to collect stock, then you will need to consider van insurance. Not only is van insurance a legal requirement if you wish to drive on the roads, but having this form of cover in place can help protect your vehicle against a number of risks including the costs associated with windscreen damage, and theft or loss of the vehicle due to fire, etc.
Goods in transit insurance
While your van insurance will cover the actual vehicle, you should consider insuring the contents separately with goods in transit insurance. If you are delivering or carrying stock around, it could be a very good idea to insure it against theft or damage due to an accident.
Loss of uninsured stock could be catastrophic for your business, so if this is something you do regularly as part of your pet shop operation then this cover is worth considering.
Looking for insurance for pet shops?
At constructaquote.com we have been helping businesses just like yours since 1990. We understand the different needs businesses such as yours have. And that is why we are proud to offer cost-effective, pet shop insurance. Why not contact us today for a no obligation pet shop insurance quote, or get a quote online now?