We all know accidents can happen, but as a pet shop owner you have a responsibility to protect your animals, customers, employees, suppliers and their property. Pet shop insurance should be a top priority for any shop owner to protect against the unexpected.
Finding the right cover whilst running a business can be tough, which is why we’ve made it easy for you to compare covers and prices from some of the UK’s leading insurers to get the protection you need.
So if you’re looking for hassle-free pet business insurance then look no further. Whether you’re running an aquatics shop, specialising in pet food or the sale of pets, we can arrange quick quality cover tailored to your individual needs to let you work without worry.
We have many years experience arranging insurance for pet shop owners and work closely with our panel of trusted insurers to find a business insurance solution that meets your needs. If you know the covers you need you can compare quotes and purchase your pet business insurance online in just a few minutes. If your needs are more complex or you’re looking for some friendly advice, then we’re just a phone call away.
We’re committed to helping businesses like yours find the right pet business insurance at the right price so you can enjoy peace of mind and focus on the job at hand.
If you know the covers you require, it’s quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Pet shop insurance is designed to cover the activities of pet stores and suppliers of pet-related products. Whether you are selling pet food and equipment, fish and aquarium supplies, animals and reptiles, or even larger equine provisions, we’ll help you find the right cover for your business.
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance can safeguard your livelihood should someone sustain an injury at your pet shop that leads to a claim and compensation award. For example, if someone slipped over in the shop your public liability insurance will typically provide cover for compensation and legal fees if you faced a claim for injury or damages. You never know what is around the corner so protecting against the unexpected with public liability cover is fundamental to the financial security and reputation of your pet business.
Employers’ liability insurance for pet shops provides financial protection in the event that an employee is injured or becomes ill as a result of their work. This type of insurance covers the costs associated with compensating the affected employee, as well as legal fees. If you employ a team to support you, it is a legal requirement for your business to have employers’ liability insurance in most cases.
You might want to think of adding personal accident cover to your pet shop business insurance, so if you as the business owner injured yourself at work, you won’t be out of pocket while you get back up and running. Being self-employed comes with many benefits; but what if something happened meaning you were unable to work? Personal accident cover can provide a weekly allowance to tide you over while you get better.
Your buildings, contents and stock can also be protected against a number of eventualities; including fire, flood, theft, impact damage, storm, subsidence, and much more.
Buildings Insurance covers damage to the physical building of the pet shop. Contents Insurance covers damage or loss to the pet shop’s contents and equipment such as furniture, and supplies, such as cash registers and shelving units. Stock Insurance covers loss or damage to pet products, such as toys, accessories, and food
It’s important for pet shops to carefully assess the value of their building, contents, and stock to ensure that they have adequate coverage in place.
Business interruption insurance cover can be included, to make sure that if something unfortunate were to happen, you won’t be out of pocket. For instance, if you suffered flood damage at your premises meaning you were unable to open, business interruption will typically cover your gross profit and fixed expenses while we get you back on your feet. This means you shouldn’t be out of pocket if the worst does happen and your pet shop insurance will support you for more than just the property damage aspect.
Product liability insurance for pet shops could protect against claims of injury or harm caused by products sold in your pet shop. This type of insurance covers the cost of defending against a claim, as well as any settlements or damages that may be awarded.
Examples of situations where product liability insurance may be needed includes: A pet becomes ill or dies after consuming a product sold in the pet shop. A pet is injured by a toy or accessory purchased at the pet shop or, a customer is injured while handling a product sold in the pet shop.
Commercial legal protection will typically cover a number of defined events, from tax and VAT disputes to contract and employment disputes. It can also offer financial protection if someone takes you to court.
Pet shop insurance offers protection from a wide range of risks and exposures that could potentially impact your business and ability to trade. It’s essential to ensure you have the right protection in place to safeguard your buildings, contents, and stock as well as your liability towards staff, customers and suppliers. Without the right cover in place, you may be personally liable for accidents that occur, which could also jeopardise the future of your business.
At Premierline, we offer pet shop insurance that can be as simple or comprehensive as you require depending on the needs of your store. When thinking about what insurance and covers you need to protect your business, you should consider the following:
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The cost of pet shop cover depends on a range of factors including the size and location of your shop, and the level of cover that you require. Get a personalised quote online or contact one of our business insurance specialists to find out how much your pet shop insurance might cost to protect yourself and your business from unforeseen circumstances.
We understand that one size does not fit all and that each pet shop will require a tailored approach to its pet shop cover. That’s why our advisors are available on the phone to help you arrange the right business insurance at the best price. Our brokers are on hand to make professional insurance recommendations based on your unique requirements. However, if you know the covers you need and don’t need advice, you can compare insurance covers and prices and protect your business online in a matter of minutes. Don’t leave it to chance – protect your pet shop today.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
We understand the nature of running your pet business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your pet business insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
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“Very helpful staff. We were offered several options of different covers and each quote offered was thoroughly explained.”
You can protect your shop online in just a few minutes if you know what cover you require, or if you need some advice call us to get a pet shop insurance quote today.
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