Dog walker insurance

Secure dog walking liability insurance insurance quickly and without fuss. We're simply priced, flexible and upfront.

Rating: 4.8–24 reviews
Answer 4 questions to get an instant price.
Answer 4 questions to get a price.
Dog walker insurance UK
Dog walker insurance UK
Dog walker insurance UK
A stopwatch.
Quickly priced
Buy online 24 hours.
Buy online
A man going fast.
Instant cover
Top insurers
A few coins.
Pay monthly
Covers to consider

What is dog walking business insurance?

Dog walking business insurance usually consists of at least two insurance covers to protect from the most inherent risks associated with dog walking. The two are at the centre of your dog walking liability insurance to protect you from legal claims of wrongdoing or causing an accident that led to harm or property damage. Whether you need other insurance products depends on how you work.

How much does dog walker insurance cost?

Dog walkers can get public liability insurance from £9.80 a month which includes professional indemnity and commercial legal expenses insurance.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do dog walkers need insurance?

Dog walkers need insurance for several reasons, primarily to protect themselves and the dogs they care for. 

Compensation demands for a lost dog

Dogs can get lost or stolen during a walk. Your client may hold you responsible and demand the cost of recovery or replacement from you.

Blame for an injury or illness

If a dog under your care gets injured or becomes ill while on a walk, the owner may blame you and ask that you pay all the vet bills.

Accusations of causing an injury to another person or dog

While walking multiple dogs in public spaces, there is always a risk of accidents, such as a dog biting another person or injuring another dog. A claim could be filed against you, the dog walker.

Property damage claims 

Dogs can sometimes damage property or belongings while on a walk. For example, a dog might chew on a client's fence or destroy a neighbour's garden. 

Allegations of dog mishandling 

An owner may blame you for behavioural issues of their dog. They may claim mishandled their dog and demand compensation.

Dog walking liability insurance

Dog walking liability insurance is designed to protect individuals or businesses that offer professional dog walking services. This insurance provides coverage for liability claims that may arise in the course of dog walking activities. These are the key components and features of dog walking liability insurance:

Purpose:  The primary purpose of dog walking liability insurance is to cover the costs associated with legal claims against you. 

Coverage: Cover includes legal expenses, settlements, or judgments if a claim is made against you, the dog walker for incidents that occur while walking the dogs.

Policy triggers: The cover under your dog walking liability insurance will be triggered if someone tries to legally claim compensation from you for a bodily injury or property damage.

Legal defence: If your claim is accepted, you will be provided with legal representation and all the costs will be covered by your insurance company.

Public liability insurance for dog walking

If you’re accused that your activities of dog walking led to an accident that resulted in an injury or property damage, you could be sued for compensation.

As a dog walker, you’re always in public space with one or more dogs in your care. Often those dogs will be off their leash running freely around a park. 

A lot can happen in this situation. One of the dogs can jump in front of a cyclist and cause a serious accident. Another dog can pick a fight with another canine or bite a person.

The list of examples is endless and you should never undertake dog walking for other dogs owners without a public liability insurance

What does public liability for dog walkers cover?

Public liability claims rarely result in substantial compensation claims, but when combined with legal defence costs, a lawsuit can quickly add up.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example a dog in your care:

  • Has bitten another dog or a person
  • Caused a cycling or car accident
  • Caused damage to someone’s front garden

Professional indemnity insurance for dog walkers

Most dogs walkers only public liability insurance to cover them against unfortunate accidents. However, dog walkers can be also accused of wrongdoing, negligence or failing their duty of care which is why they need professional indemnity insurance as part of their dog walker liability insurance.

What does professional indemnity insurance for dog walkers cover?

An accident is something that you have no control over

Cover responds to client accusations of:

  • Breach of your duties
  • Acting negligently
  • Failing your duty of care

For example, a client may accuse you of:

  • Mistreating a dog
  • Forgetting to lock the front door which resulted in a burglary
  • An error of judgement leading a dog’s injury or death
  • Negligence that led of a loss of a dog

What about dog insurance for dog walkers?

As a dog walker you should always check with the owner whether a dog is insured and at which veterinary practice the dog is registered. This information ensures that in the unfortunate event of an accident, you are well-prepared to take immediate action and provide necessary care for the dog.

While certain dog walking insurance policies offer coverage for veterinary expenses incurred if a dog is injured while in your care, it's important to remember that an injury or illness isn't necessarily a direct result of your actions. In many cases, such incidents occur unpredictably, and it is primarily the responsibility of the dog's owner to manage any associated vet bills.

Opting to make a claim on your own insurance may seem like a viable solution, but it comes with potential drawbacks. Firstly, the dog owner may be less inclined to reimburse you for the vet bills, which can be substantial. Moreover, filing a claim can impact your insurance history and potentially make it more challenging to secure insurance coverage in the future. It's important to carefully consider these factors before making a decision.

Shopping for dog walking insurance

Not many insurers offer dog walking insurance and even fewer offer on a flexible basis which allows you to make changes or cancellations without additional cost.

Dog walking insurance cost

Some providers offer rock-bottom prices, but after-sales service could be lacklustre. Check how easy it is to get in contact with your insurance provider. At Suited, we offer several options and answer quickly.

The reputation of the insurer is important

It is often tempting to purchase the cheapest deal on the market. However, double-check who you are buying from and the insurers underwriting your policy. This information should be made very clear to you before purchase.

Many providers charge fees to change or cancel

Occasionally, updates to your personal or business details are needed. Ensure you understand whether amendments have associated costs; this also goes for cancellations. Will you have to pay a fee, and will you have to give 30 days' notice rather than just be able to cancel immediately?

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
Suited awards.
FAQs

Common questions

Do dog walkers need insurance?

Dog walkers need liability insurance to protect themselves against accusations of causing an injury, property damage or wrongdoing.

Do you need insurance to be a dog walker?

It is not a legal requirement to have insurance if you want to become a dog walker. However, for your own protection, you should consider dog walking liability insurance.

How much is dog walking insurance?

Dog walking insurance cost usually starts at a few pounds a month. Some insurance providers like to charge extra if you decide to pay monthly which makes it more expensive on an annual basis.

What insurance does a dog walker need?

As a minimum, you should consider public liability and professional indemnity insurance to safeguard yourself from potential allegations of causing injuries, property damage, or misconduct.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
the suited way

Insurance made better

Self-employed insurance done fast, clear and upfront.

Insurance for dog walkers uk
A woman doing yoga.
More flexible

Make changes instantly, easily and for free.

A happy man paying no fees.
No extra fees

We give you one price, no APR or hidden extras.

A man in retro clothes.
Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

A plus rating.
Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

Map of UK.
UK support

Get help when you need it from our Bristol based team.

Contact us
Prefer to speak?

Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday—Friday, 8:30am to 5:30pm

A woman in a suit standing talking on the phone an carrying a cup of coffee.
Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

14 day promise stamp.
14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

A woman next to a  man jumping.
Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

Articles for
Dog walkers
Ready to get started?

The fast and hassle free way to get business insurance for small professional outfits.

Answer 4 questions to get an instant price.
Answer 4 questions to get a price.
Insurance times awards 2023 finalist.

Cookies

When you visit our website, cookies are placed on your computer, mobile phone or tablet. Their purpose is to help us improve the site experience, detect potential problems and assist our marketing efforts. You can customise your consent for each cookie. We take privacy seriously, here's how.