Chris Knott Insurance

Dog Business Insurance

Whether you're a dog walker, a groomer offering dog grooming alongside a boarder, or you run dog shows and events commercially, having the right insurance policies in place can offer financial and legal protection against the risks that come with working professionally around dogs and the public.

At Chris Knott Insurance, our team understands the specific risks of working with dogs day to day, and can arrange modular cover tailored to your actual activities rather than a one-size-fits-all business policy.

UK-Based Team
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Dog Business Insurance
2,200+ reviews
4.9
40+
Years' Experience

Why Do Dog Businesses Need Specialist Insurance?

Even when you're doing everything right, something can still go wrong, especially where animals are involved. If a customer, a member of the public, or another dog is injured, or if property is lost or damaged, and a claim follows, you could be liable for costs running into hundreds of thousands of pounds. A general business policy often doesn't anticipate the specific risks of dogs in your care, dogs at an event, or dogs interacting with the public, which is why specialist cover exists.

If you employ staff or use volunteers treated as employees, Employers' Liability Insurance is a legal requirement, not an optional extra. If your business boards dogs, some local authorities also require proof of suitable insurance before granting an animal boarding licence, so cover can be a condition of trading legally, not just a safety net.

Why Do Dog Businesses Need Specialist Insurance?

What Does Dog Business Insurance Cover?

Cover is typically built around your legal liabilities, the defence, management and payment of claims made against you, alongside optional protection for buildings, equipment, cups and trophies, abandoned events, and loss of money. Depending on your activities, this can include:

  • Public Liability Insurance – covers injury to a member of the public or property damage connected to your business, giving you peace of mind alongside your other cover.
  • Employers' Liability – a legal requirement if you have staff or volunteers treated as employees.
  • Professional Indemnity – can help cover the cost of compensation and legal fees if a a client claims your advice or service caused them a loss.
  • Care, Custody and Control – covers injury, illness or death of a dog while it's in your care, relevant to boarding, walking and daycare businesses especially.
  • Buildings and Contents – covers your premises and equipment, from kennels and grooming tools to show equipment.
  • Business Interruption – covers lost income if an insured event stops you trading, particularly relevant for boarding businesses with seasonal peaks.
  • Cups, Trophies, and Abandoned Events – covers the physical costs and cancellation risk specific to running a show or competition.
What Does Dog Business Insurance Cover?

Do You Offer Dog Show Insurance?

Yes. If you organise dog shows or events as a business, our cover extends to public liability for exhibitors, judges and the public, alongside cups and trophies cover and protection if a show has to be abandoned due to weather or another insured event. This sits alongside our wider dog business cover, so a show organiser with other dog-related activities, training or grooming alongside events, for instance, can have it all arranged under one policy rather than several.

If your show is run by a club or society rather than a commercial operation, our Canine Club, Association and Society Insurance is built around this instead.

Do You Offer Dog Show Insurance?

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Frequently Asked Questions

Your Dog Business Insurance Questions Answered

The most common questions we're asked about dog business insurance. Can't find what you're looking for? Speak to our UK-based team on 0800 917 2274.

I run a small business. Do I really need insurance?

While you may be doing everything you can to keep customers, the public and the dogs in your care safe, there's always a chance something goes wrong, especially where animals are involved. If a customer is injured, or their property is lost or damaged, and they claim it was your fault, you could be liable for costs running into hundreds of thousands of pounds. Employers' Liability Insurance is legally required if you have employees, regardless of the size of your business.

How do I know what cover I need?

Whether you're a dog trainer, walker, groomer, boarder or show organiser, we're on hand to guide you through the options and make sure you have the right cover for what you actually do. We'll work with you to select the elements you want and the level of protection that suits your business.

Do I need a licence to board dogs, and does insurance affect that?

In England, most dog boarding businesses, including home boarders, need a licence from their local authority under animal welfare licensing rules. Licensing officers typically expect to see evidence of suitable insurance as part of that process, so it's worth arranging cover before you apply rather than afterwards.

What will it cost to insure my business?

Our insurance is cost effective and starts at under £68 for a whole year's protection, though the exact price depends on which activities and cover levels you choose.

Do you cover dog walking and pet sitting alongside other activities?

Yes. Dog walking and pet sitting can be added alongside grooming, training, boarding or show cover under the same modular policy, so you're not juggling separate arrangements for each part of your business. You can make a claim across any of these activities through the same team.

Transparency You Can Trust

Written and Reviewed
by Our Own Team

Every page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.

SC
Written by
Simon Clark
Data, Process & Quality Controller
FK
Reviewed by
Fern Kardamash
Commercial Lines Manager
Last reviewed 5 October 2026
Chris Knott Insurance Consultants Limited is authorised and regulated by the Financial Conduct Authority. FCA Register number 304452.
Get Your Quote Today

Get Your Dog Business Insurance
Quote

Call our UK-based team on 0800 917 2274 or email enquiries@chrisknott.co.uk to get a quote built around what your business actually does. We're open Monday to Friday, 9am to 5pm.

*Chris Knott Insurance is authorised and regulated by the Financial Conduct Authority (FRN 304452). You can check this on the Financial Services Register at register.fca.org.uk.*

Monday to Friday 9am – 5pm
enquiries@chrisknott.co.uk

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