Chris Knott Insurance

Pet Boarding Insurance

Boarding cats and dogs for their owners means taking real responsibility for other people's pets, and that responsibility deserves proper cover. Chris Knott arranges pet boarding cover protecting your premises, public liability exposure, and care, custody and control obligations for animals under your supervision.

Our UK-based team has extensive experience with home boarders, licensed kennels, and catteries of all sizes, creating cover matched to how your business actually operates. Whether you run dog boarding kennels, a home dog boarding service or a doggy daycare, dog boarding insurance is the part of this cover focused on looking after dogs.

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Pet Boarding Insurance
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Overview

What Is Pet Boarding Insurance and Who Needs It?

Pet boarding insurance is specialist commercial cover for businesses temporarily caring for other people's pets, including kennels, catteries, home boarding services, pet sitters, and doggy daycares. Dog boarding is one of the most common types, so dog boarding insurance for kennels, home boarders and doggy daycares sits within this cover rather than needing a separate policy. Without proper insurance, you could face significant financial losses if an animal is injured, becomes ill, or causes damage while in your care.

What Is Pet Boarding Insurance and Who Needs It?
What's Covered

What Does Pet Boarding Insurance Cover?

  • Care, Custody and Control cover protects you if an animal suffers injury, illness or death due to negligence, covering veterinary fees and owner compensation.
  • Public Liability Insurance covers injuries to members of the public or clients and property damage related to your business activities.
  • Employers' Liability Insurance is legally required protection for employee-related illness or injury claims.
  • Buildings and Contents Insurance covers your premises and equipment against fire, flood, theft, and accidental damage.
  • Business Interruption Cover provides financial support when your business can't operate due to an insured event.
  • Legal Expenses Cover protects against the cost of legal proceedings, including employment disputes and regulatory investigations.
What Does Pet Boarding Insurance Cover?

Dog Boarding Insurance

If your business specifically boards dogs, dog boarding insurance covers the same core risks as any pet boarding policy, shaped around the realities of looking after dogs in your care. That includes care and control cover if a dog in your charge is injured or falls ill, public liability if a dog escapes or causes injury or damage, and protection for your premises, kennels and equipment.

Dog Boarding Insurance

Licensing Requirements for Dog Boarding Businesses

If your boarding business cares for dogs, in England you'll almost always need a licence from your local authority under the animal boarding licensing rules, whether you run a kennel, a home boarding service, or a doggy daycare.

Licensing officers typically expect to see evidence of suitable insurance as part of the application or renewal process, alongside checks on your facilities and how you care for the animals in your charge. Chris Knott can provide the confirmation of cover most local authorities want to see as part of your application, so it's ready when you need it.

Cat boarding and catteries generally sit under similar but separate local licensing rules, so if you board both cats and dogs, it's worth checking the specific requirements for each with your local authority rather than assuming one licence covers both.

Licensing Requirements for Dog Boarding Businesses
Frequently Asked Questions

Your Pet Boarding Insurance Questions Answered

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

Why do you need specialist pet boarding insurance?

Standard business insurance policies rarely provide adequate protection for pet boarding businesses. Regular policies typically don't address living animals in care, injury risks between animals, escape or theft potential, specialised equipment needs, or the emotional and financial value pets hold for their owners.

What factors affect pet boarding insurance premiums?

Costs depend on business size (the number of animals boarded at once), experience and qualifications, security measures, claims history, animal types, and the services you offer.

How can you reduce your pet boarding insurance costs?

Implement robust safety protocols, invest in security infrastructure (fencing, locks, CCTV, alarms), provide staff training, maintain professional body memberships, and select appropriate excess levels.

Does this cover dog boarding specifically?

Yes. Dog boarding insurance sits within our pet boarding cover, so a business that only boards dogs is fully covered. If you run dog boarding kennels or a home boarding service, tell us how many dogs you take and how they're housed, and we'll match the cover to it.

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 Pet Boarding Insurance
Quote

Call our UK-based team on 0800 917 2274 to get a quote built around how your boarding business actually operates.

*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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