1. An introductory guide to insurance in relation to your training business.

2. Contents Public Liability Employers’ Liability Professional Indemnity
Business Property / Equipment
Additional Services
Key Considerations
Contacts

3. Public Liability Summary of Public Liability cover:
Public Liability – covers injury to a third party and / or damage to their property where negligence is proved Limit of Indemnity - £5,000,000 (£10,000,000 available at additional cost) any one event, Property Damage is subject to an excess of £100, there is no excess for Bodily Injury
Liability to animals in your care, custody or control – covers injury to an animal where negligence is proved Limit of Indemnity - £15,000 any one event, subject to an excess of £50
Non-negligent cover – covers injury to an animal where no negligence is proved (cover provided at your request) Limit of Indemnity - £15,000 any one event, subject to an excess of £50
Claim Scenario:
During a training session a dog escapes and runs off down the road, gets knocked down by a car and is injured.
How the policy will protect you:
Assuming negligence is established the policy will:
pay for up to £5million of Bodily Injury and / or Property Damage as a result of the accident with no excess for Bodily Injury and subject to an excess of £100 for Property Damage.
cover vet’s fees for injury to the dog, up to £15,000 as a result of the accident subject to an excess of £50.
Even if no negligence is established the policy will: (at your request)
cover vet’s fees for injury to the dog, up to £15,000 as a result of the accident subject to an excess of £50, if you request the claim to be paid.

4. Employers’ Liability Summary of Employers’ Liability cover:
Employers’ Liability – covers liability for injury to your employees caused by your negligence. Limit of Indemnity - £10,000,000 any one event, no excess
Claim Scenario:
During a training session, a trainer’s employee is bitten by a dog, sustaining an injury requiring medical treatment, and is unable to work.
How the policy will protect you:
Employers’ Liability is a statutory liability with limited defences at law. If the employee makes a claim for compensation and should negligence be established, Employers’ Liability provides cover up to £10million for any one event.
Advisory note:
Anyone operating under your instruction, whether they are paid, self-employed or an unpaid volunteer is classed as an employee, and it is a legal requirement that Employers’ Liability Insurance is in force.

5. Professional Indemnity
Summary of insurance benefits:
Professional Indemnity – covers losses arising as a result of negligent professional advice given. Limit of Indemnity - £500,000 any one event, no excess
Claim Scenario:
A trainer/behaviourist is called in to make an assessment on whether a dog is family friendly and is required to provide a written report. The trainer states that the dog is safe, however it later bites a child and the parent wishes to sue the trainer.
How the policy will protect you:
If the trainer had Professional Indemnity cover the policy would cover this, should the trainer’s negligence be established, up to £500,000.
Advisory note:
Professional Indemnity cover is an optional extra at an additional premium

6. Business Property / Equipment
Summary of insurance benefits:
Cover for commercial buildings, subject to an excess of £250
Cover for equipment, subject to an excess of £100.
Claim Scenario:
Your training equipment is kept in a locked shed. The shed is broken into and the equipment stolen.
How the policy will protect you:
If you have cover for the building, the policy will cover the damage to the shed in the course of the theft, subject to an excess of £250.
If you have equipment cover, the policy will cover the replacement value of the equipment, subject to an excess of £100.
Advisory note:
Buildings cover is for Fire, Lightning, Explosion, Aircraft, Earthquake, Storm & Falling Trees, Impact, Malicious Damage, Theft and Flood and Burst pipes only. There is no cover for accidental damage or breakdown.
Equipment cover is for Fire, Lightning, Explosion, Aircraft, Earthquake, Impact, Malicious Damage and Theft only. There is no cover for accidental damage or breakdown.
Buildings and equipment cover is an optional extra at an additional premium.

7. Additional Services
If a trainer wants to offer another service, this additional activity can be added to the policy for an additional premium.
Contact us to discuss adding any of the following to your policy:
Pet Minding / Dog Walking – Public Liability cover up to £5million
Dog Grooming – Public Liability cover up to £5million, with tools and equipment cover available
Professional Indemnity

8. Key Considerations Things to remember:
Even if no wages are paid, a voluntary helper is still classed as an employee and therefore Employers’ Liability is required.
Anyone transporting animals in their vehicle for purposes relating to their business will require business use cover from their vehicle insurers.
Anyone conducting animal related business activities in their own home should inform their household insurers.

9. Contacts
Cliverton Insurance Norwich Road Fakenham Norfolk NR21 8AU Tel: Fax: Ask for Vicki, Jamie or Carole