Picture this:
You’re out walking a group of happy pups when one suddenly bolts, knocking over a cyclist. Accidents like this can happen in the blink of an eye, and without insurance, they could cost you a fortune. That’s why having dog walking insurance isn’t just a nice-to-have – it’s a must-have for professionals like you.
As a dog walker, you’re not just taking furry friends for a stroll – you’re taking on a lot of responsibility. From caring for someone’s beloved pet to navigating the unpredictable world of public spaces, there’s plenty that could go wrong. That’s where dog walking business insurance comes in.
Let’s break down why insurance is so important, what types of cover you might need, and how it can protect your business and your reputation.
What insurance do I need for dog walking?
Dog walking might seem like a simple job, but it comes with its own set of risks. Business insurance protects you from unexpected moments that could lead to financial loss or even legal claims.
Even if the dogs you walk are always on a lead, accidents can still happen. Leads can snap, and even the best-behaved dog can lunge or bite if something catches their attention. Having insurance not only protects you but also shows your clients you take your job seriously – boosting your reputation and helping you stand out from the competition.
Key risks for dog walkers
Dog walking can be unpredictable. Here are some common risks dog walkers face and how insurance can help:
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- Dog-on-dog incidents: A dog bites another dog; you’re responsible for vet bills.
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- Injuries to people: A dog injures someone, and they make a claim against you.
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- Lost pets: A dog goes missing; you need to cover the cost of posters and rewards.
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- Injured pets: A dog gets hurt while in your care and needs vet treatment.
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- Property damage: A dog damages someone’s property; you’re liable for repairs.
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- Lost keys: You lose a client’s house keys; locks need replacement.
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- Car accidents: A dog causes a car accident; you’re responsible for damages.
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- Negligence claims: A client claims your mistake harmed their dog; they seek compensation.
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- Transport injuries: A dog is hurt during transport; vet bills need to be covered.
- Legal disputes: A client files a legal claim against you; you’re responsible for legal fees and any compensation awarded.
Having the right dog walker insurance covers these risks, so you can focus on the job in hand.
What types of insurance do dog walkers need?
Insurance isn’t legally required for dog walkers in the UK, but it’s highly recommended. Key types of cover include:
Public liability insurance
This covers you if a dog in your care causes injury to someone or damages property. It protects you from legal claims and compensation costs.
Example: A dog you’re walking pulls away and knocks over a cyclist, injuring them. Public liability insurance can cover the medical costs and legal claims.
Professional indemnity insurance
This protects you if a client claims your mistake or advice caused them financial loss or damage.
Example: You recommend a harness that turns out unsuitable; the dog escapes and is injured. This insurance covers legal and compensation costs.
Care & custody of animals
Covers the dogs in your care for injury, illness, or loss (theft or straying).
Example: A dog steps on broken glass and needs vet treatment; this insurance covers vet fees.
Custodial responsibility
Protects you if accused of negligence while a dog is in your care, covering legal costs and compensation.
Example: A client claims you didn’t secure a dog’s lead properly; the dog runs into traffic and is injured. This insurance covers legal defence and compensation.
How much does dog walking insurance cost?
Dog walking insurance can be surprisingly affordable. A basic policy can start at just £8.48 per month.[1]
If you add extra cover, premiums might increase slightly, but it’s a cost-effective way to protect your business against claims that could run into thousands.
Do I need insurance to walk a friend’s dog?
It might seem unnecessary, but if you walk a friend’s dog regularly, it’s worth considering. If something goes wrong, you could still be held responsible – so it’s better to be safe than sorry.
Why dog walking insurance matters
As a professional dog walker, you’re responsible for living creatures who can be unpredictable. Add risks from other people, animals, and public spaces, and it’s clear why insurance is a must.
With the right cover, you can walk with confidence, knowing you’re protected from unexpected events. It’s peace of mind for you, your clients, and the dogs you care for.
Ready to protect your business?
Get a tailored insurance quote today and walk with confidence!
[1] Price based on Core Cover policy, which includes cover for Keys, Public Liability, Professional Indemnity, and the Care, Custody, and Control of Animals. Prices correct at time of publication.