Targeted Trades

Dog Walkers (Grooming, Boarding & Training)

The “Dog Walking/Pet Sitting” trade under our Wages & Turnover scheme with capacity provided by Ascot has been enhanced to provide wider cover, encompass more trade activities in this area and reduced minimum premiums. Please see below the detailed list of updates:

• Minimum Premium
  • If PL is selected with no EL then the minimum premium is              £40.00 (Plus IPT and £30 fee)
  • IF both PL & EL are selected then the minimum premium is           £80.00 (Plus IPT and £30 fee)
• Below is a list of clauses that apply.
  • Trade Activities Extension (this extends the trade to include dog grooming, dog boarding and dog training)
  • Dog Walking Condition (this restricts the number of dogs able to be “walked” at any one time and has conditions around handling)
  • Dog Groomers Treatment Extension (this extends cover to include some treatments)
  • Dangerous Dogs Exclusion (excludes cover for dangerous dogs)
  • Excess Amendment (reduces the standard PL excess to £200)
  • Damage to Customer’s Keys Extension (this extends cover for loss/damage to customer’s keys – £5,000)
  • Damage to Customer’s Dogs Extension (this extends cover for loss/damage to customer’s dogs – £5,000 per dog / £50,000 claim and in the aggregation. This includes non-negligent cover as well)
  • Person(s) Employed Extension – Family (this extends the PL section to provide cover for close family working as “employees”)

If you run under Per Capita, you will not see any endorsements etc so ensure you always use Wages and Turnover.

• Clause wording:

Trade Activities Extension

The Insured’s trade also includes dog grooming and dog boarding.

Dog Walking Condition

It is a condition precedent to liability that at all times during which any dog walking activities are undertaken

1. the dog shall be kept under physical restraint and (if not adequately tethered or confined) under the control of a competent handler
2. a maximum of five dogs to be walked at any one time

Dog Groomers Treatment Extension

Sections B and C are extended to include legal liability, directly or indirectly resulting from or in consequence of Treatment rendered by any qualified Dog Groomer or Operator.

For the purpose of this extension Treatment shall mean:

Brushing, Shampoo & Blow Dry, Clipping, Hand Stripping, Teeth Cleaning, Ear Cleaning, Nail Clipping and De-shedding.

For the purpose of this extension Qualified Dog Groomer or Operator shall mean:

Any person 18 years or over who has either:

1. More than 3 years continuous experience of dog grooming and/or
2. A professional dog grooming diploma

We shall not be liable for any claim arising out of or attributable to:

1. application by the Insured or any one acting on behalf of the Insured or use upon the Insured(s) advice or any one acting on the Insured(s) behalf of any lotion or other preparation wholly or partly manufactured, produced, mixed or treated in any way by the Insured or anyone acting on behalf of the Insured
2. Use contrary to the makers or vendors instructions as regards failure to make the prior skin tests before use and/or subsequent procedures required or recommended by them in respect of any lotion hair dye or other preparation
3. Any Treatment carried out by any person other than a Qualified Dog Groomer or Operator except

Dangerous Dogs Exclusion

We shall not be liable for any claim arising out or attributable to all dogs classified as dangerous under the Dangerous Dogs Act 1991 or any subsequent legislation. This exclusion includes any cross breeds that include a dangerous breed.

Excess Amendment

The Excess in respect of Public/Products Liability at the Premises and Public Liability (work away) is £200 and not as stated in the Schedule.

Damage to Customer’s Keys Extension

Section B is extended to include legal liability, directly or indirectly resulting from or in consequence of Damage to customer’s keys for premises temporarily occupied by the Insured or any Employee of the Insured whilst undertaking trade activities as noted in the schedule.

This extension will also cover any resulting fees and expenses that are incurred:

1. if there is an error in setting or re-setting any intruder alarms
2. in replacing any keys or locks
3. in putting in place any temporary protections that relate to a) or b) stated above

 Person(s) Employed Extension – Family

The Person(s) Employed Definition is extended to include family members whilst working for You in connection with the Business.

For the purpose of this extension family members shall mean a:

Grandfather, grandmother, father, mother, stepfather, stepmother, son, daughter, stepson, stepdaughter, grandson, granddaughter, brother, sister, half-brother, half-sister, wife, husband or civil partner.

This extension only applies to Section B and C of the Policy.

Damage to Customer’s Dogs Extension

Section B is extended to include legal liability, directly or indirectly resulting from or in consequence of Damage or Injury to customer’s dogs whilst in Your care, custody or control or any Person(s) Employed. Cover by this extension includes non-negligent damage or injury.

We shall not be liable for any claim arising out of or attributable to:

1. any activities involving vaccinations or breeding
2. any pre-existing medical conditions, physical defects or disabilities

Liability in respect of this extension is limited to £5,000 any one dog and £50,000 any one claim, in the aggregate.