Yes, in the UK, if you are a professional dog walker, you should get insurance in case something goes wrong. However, there is no specific legal requirements for dog walkers to be insured having insurance can protect you financially in case of accidents or incidents involving the dogs you are responsible for or any third parties.
Public liability insurance for dog walkers
Dog walkers would get Public Liability Insurance, which covers them if a dog they are walking or looking after causes injury or damage to another person or someone’s property. Public liability insurance insurance can help cover legal costs and compensation claims.
Insurance requirements and recommendations can vary depending on the specific circumstances and location, so it’s a good idea to consult with an insurance provider or a legal professional who specializes in pet-related businesses to ensure you have the appropriate coverage for your dog walking activities.
Car insurance for dog walkers
At the very least you should tell your insurance company that you are using your car for business purposes. Sometimes, this can actually reduce your insurance premium as you are using it all day, so the risk of it being stollen from an unoccupied property is lower.
If you’re using a car for your dog walking business in the UK, you should definately get specific business car insurance or commercial vehicle insurance, especially if you transport dogs or have equipment related to your dog walking business in your vehicle. Regular personal car insurance may not cover you adequately if you’re using your vehicle for business purposes.
Benefits of dog insurance for professional walkers
Dog insurance can help with the following:
- Veterinary Bills: Treating serious injuries like broken bones and internal damage can be expensive. Dog insurance can cover a significant portion of the veterinary bills, including surgery costs, diagnostic tests, medications, and follow-up treatments.
- Emergency Care: If the accident occurs outside of regular business hours or on a weekend, emergency veterinary care can be even more costly. Dog insurance typically covers emergency care, ensuring your dog receives prompt treatment without worrying about the costs.
- Recovery and Rehabilitation: Depending on the severity of the injuries, your dog may require rehabilitation and physical therapy. Dog insurance can help cover these ongoing expenses, which can be quite substantial.
- Long-term Conditions: In some cases, injuries sustained in an accident can lead to long-term health issues. Dog insurance may provide coverage for ongoing treatments or management of these conditions.
- Peace of Mind: Knowing that you have insurance can alleviate the financial burden of unexpected accidents or illnesses. It allows you to make medical decisions based on what’s best for your dog’s health rather than being constrained by financial concerns.