Do Pet Professionals need Insurance?
In 2019, there were almost 29 million pets owned by Australians1. To put that in perspective, there are more pets in Australian households than there are humans. With this continued increase in pet ownership in Australian households, it’s easy to see why the need for specialised pet services is also on the rise. Now more so than ever, it’s important for pet service businesses to understand their risk needs and arrange insurance that meets their unique industry requirements.
At Marsh, we have been arranging pet service insurance for over 10 years. Through our experience and industry relationships, we arrange insurance solutions designed for the pet industry. The insurance solutions available with Marsh include enhancements to policy coverage such as, automatic cover for attendance at expos or demonstrations and a CCC limit including animals in care, Loss of Keys and Veterinary Fees as an optional cover.
Public Liability Insurance
Public liability insurance can provide you cover if a pet owner or their pet is injured while under your service. While it may be infrequent, accidents do happen, and there are many different situations where liability insurance can help minimise the risk of being the subject of a claim.
Take the following example - During an obedience group training class, one dog injures another. If this injury occurred while the dog was in your class, you could be liable to pay for the dog’s injury and medical costs.
Professional Indemnity Insurance
As a dog walker, groomer or other pet professional, offering advice or a service to customers is part of your day-to-day job. If a customer claims your business provided incorrect advice or service, you could be held financially liable, putting serious strain on your business success.
Professional indemnity policies can provide financial protection for the damages that may arise from an act, omission or breach of duty in the course of conducting your business. It can include cover for settlements, judgements, investigation costs and defence costs.
Get a competitive quote online for Pet Services Insurance!
We provide Insurance for a range of Pet Professions
Working with animals can expose pet service professionals to a variety of unpredictable situations. An animal’s training, age, personality and other traits can all influence the level of risk in every situation. That's why it’s so important to arrange public liability and professional indemnity insurance to help protect your pet services business if the unexpected were to occur.
Dog & Pet Trainers
Dog & Pet Groomers
Holistic Animal Care Services
Pet Day Cares
Kennels & Catteries
Therapy Animal Services
And many more
Association of Pet Dog Trainers (APDT)
Marsh is proud to be the endorsed insurance broker for the Association of Pet Dog Trainers. Our ongoing relationship and 10 years’ industry knowledge means we understand the unique requirements of APDT members.
Don’t just rollover your insurances, take the lead with Marsh
Competitively priced for pet professionals
Our team of insurance brokers, with specialty experience in the pet services sector, have negotiated competitive premiums for the industry.
Claims support and advocacy
We provide continued support for our customers and will advocate on your behalf in the event of a claim.
Industry relationships and endorsement
We proudly work with a range of industry associations including the Association of Pet Dog Trainers.
Tailored specifically to the pet industry
We arrange public liability and professional indemnity insurance that's been developed with the specific risk needs of the pet services industry in mind.
Policy wording and important information
The information provided on this page is a summary only, please read the policy wording and important notices.
Frequently Asked Questions
What is a policy excess?
This is an amount you have to pay if you make a claim under your policy.
If an animal is injured in your care, what cover is available for Veterinary fees?
Veterinary Fees (Vets Fees) is an optional extension under the policy and provides cover of $1,000 per animal/$5,000 in the annual aggregate for Vets Fees for injury or illness to animals in your care. This extension does not rely on a third party demand for payment and or negligence on your behalf.
What if I am asked for a Certificate of Currency noting an Interested Party?
An example of “interested parties” is an owner of the premises where you could be training pets, for example local councils, institutions or shopping centres. They may request a copy of the Certificate of Currency with their name noted as an interested party.
What happens if I change the services I conducted during the policy contract period?
If you perform additional activities during the policy period, you will need to advise us so that these can be included under your policy. Depending on the type of activities an additional premium may apply.
Is there a difference between Day Care, Pet Minding & Boarding?
Pet Day Care/Pet Minding are activities that are performed either at your residence or the client’s residence without an overnight stay.
Pet Boarding is an activity where the pet lives/stays at your residence for a certain time, longer than a day.
Learn about public liability insurance and how it can help cover your pet sitting or boarding business if an accident were to occur.
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.