Dog Breeders Insurance

Protecting your dog breeding business when you need it most

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Insurance for dog breeding businesses

As a responsible dog breeder, insurance must be a top priority in case something goes wrong.

Puppies can be adorable but sometimes unpredictable; even the friendliest of dogs can get spooked or distracted when a new stranger visits your animals. Whether you run a business that breeds and sells dogs or you breed a couple of litters a year; having the right insurance to protect you is essential and in some cases, could be a requirement of your local authority to obtain a dog breeding licence.

We arrange dog breeders insurance that gives you peace of mind to focus on the job at hand. We understand the exposures you face daily and the covers you need most. Running a business can be time-consuming which is why we’ve taken the hassle out of arranging your dog breeding insurance.

You can protect your business online in a matter of minutes if you know the covers you need, or if you’re looking for some advice and professional insurance recommendations, then call us to speak to one of our advisors today. Don’t leave anything to chance. Protect your dog breeding business online or speak to our expert advisors for advice and professional insurance recommendations tailored to you.

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Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote

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Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm

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Dog breeding business insurance cover in detail

What is dog breeders insurance?

Dog breeders insurance is typically a type of insurance policy tailored specifically for dog breeding. It typically includes a combination of public liability and employers liability insurance, buildings and contents insurance and business interruption. The purpose of dog breeder insurance is to provide financial protection for the breeding business in the event of a liability claim or if physical assets are damaged by an insured event.

There are many additional covers to consider when arranging your dog breeding insurance; do you require legal protection? Do you wish to include personal accident cover? Do you have a vehicle that you use to transport animals that you might need to insure for commercial purposes? Do you require professional indemnity insurance? All of these considerations will need to be taken into account and different insurers will offer different covers at varying levels. At Premierline, we can arrange the right dog breeder insurance for you.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

Public liability insurance for dog breeders provides financial protection if a third party, such as a member of the public, is injured or suffers property damage as a result of your actions. For example, if a customer visiting your premises trips over a dog toy on the floor and sustains an injury. This type of insurance can cover the costs associated with compensating the injured party, as well as legal fees. You never know what is around the corner so protecting against the unexpected with public liability cover is fundamental to the financial security and reputation of your dog breeding business.

A person walking a pack of dogs across a grassy field with trees and a wooden fence visible in the distance.

Employers' liability for breeders

You may work alone or employ a team to support you; if you employ staff then it’s essential to have employers’ liability insurance in place to protect you in case they have an accident at work. If a member of staff was attacked by one of the dogs, they may require medical treatment and could claim compensation as a result. Employers’ liability insurance should take care of these costs and also fulfil your legal obligations.

A white dog is nurturing her puppies, sitting on a wooden floor.

Personal accident cover for breeders

You have considered members of the public and your employees, but should the unexpected happen to you as a self-employed business owner personal accident cover could provide financial protection. This type of insurance could provide a lump sum payment to you, which can be used to cover medical expenses, lost income, and other costs associated with the injury or illness. Personal accident insurance can be an important consideration for dog breeders, as the nature of your work often involves outdoor activities and physical activity, which can increase the risk of accidents and injuries.

A dog breeder kneeling with three collie dogs on a dirt path under a cloudy sky.

Property covers for dog breeders

Building and contents insurance is an important consideration for dog breeders, as it helps to ensure that your business operation is protected against financial loss due to physical damage or theft. This type of insurance typically covers the costs associated with repairing or rebuilding commercial buildings in the event of damage caused by events such as fire, theft, or natural disasters. It could also cover the replacement or repair of contents and equipment that may be lost or damaged in the same way.

Aerial view of a university campus with red brick buildings and next to a big road.

Business interruption insurance

Business interruption insurance for dog breeders can provide financial protection if the breeding operation is temporarily suspended due to an insured event, such as a natural disaster, fire, or other insured loss. This type of insurance covers the income that would have been earned during the period of interruption, as well as additional expenses incurred as a result of the interruption. By providing financial support during the interruption, this insurance can help the breeding operation to recover more quickly and get back to business as usual.

Close-up of a “Sorry, We’re Closed” sign hanging on a glass door with a blurred indoor background.

Professional indemnity insurance

This cover can give you peace of mind and financial security should you provide incorrect advice or recommendations in a professional capacity. For example, professional indemnity insurance could offer financial protection if the breeder is sued for professional negligence, such as failing to provide appropriate care for the dogs, misinterpreting a mating or breeding, or providing incorrect information about a dog’s health or lineage. This type of insurance covers the costs associated with defending the breeder against legal proceedings, as well as any compensation that may be awarded to the affected party.

Man holding a child while using a laptop on a kitchen island, with a woman wiping her hands with a towel next to them.

Van and vehicle cover

A commercial vehicle or van could be a crucial part of your dog breeding business; whether it’s for transporting dogs to vet appointments, or even just getting to and from your clients, we understand the need for a quality cover that gives you peace of mind. Take a look at our commercial van insurance page to find out more about van insurance for dog breeders.

Contractor sitting in the driver’s seat of a van, talking on the phone and looking over some paperwork.

Commercial legal protection for dog breeders

Commercial legal protection will typically cover a number of defined events, from tax and VAT disputes to contract and employment disputes. It can also offer financial protection if someone takes you to court.

Employee opening up a cafe and flipping an open sign, with trees and parked cars reflected on the glass door.

Dog breeders insurance FAQs

Do I need dog breeders insurance?

We know each animal has its own quirks and personality, sometimes though things can go wrong when you least expect it and animals can be unpredictable, which is why dog breeders insurance should be a top priority.

For example, dog breeder insurance can protect you and your business against many incidents typically in one easy-to-buy policy. From third-party property damage to injuries and accidents – the right insurance can give you peace of mind should something unexpected happen.

What covers do dog breeders need?

At Premierline, we offer dog breeders insurance that can be as simple or comprehensive as you require depending on your business operations. When thinking about what insurance and covers you need to protect your business, you should consider the following:

Public liability – to cover you against unforeseen events that could leave you and your business exposed to financial loss
Employers’ liability – to protect your employees against accidents at work and any damages awarded as a result
Personal accident cover – to tide you over in the event that you injured yourself at work
Buildings cover – to cover for loss or damage to your business premises
Contents and stock – to reinstate your items and belongings
Business interruption – to keep finances running when disaster strikes
Business legal expenses
Commercial vehicle cover – if you use a vehicle or a van for business

More information

How much does dog breeders insurance cost?

The cost of dog breeders insurance depends on a range of factors including the size and scale of your business, and the level of cover that you want. Get a personalised quote online or contact one of our business insurance specialists to find out how much your dog breeders insurance may cost to protect yourself and your business from the unexpected.

Why choose Premierline to arrange dog breeders insurance?

We know that a one size fits all approach does not always work and that each business will require a tailored approach to its dog breeders insurance. That’s why we are always available on the phone to help you arrange the right business insurance at the right price. Our advisors are on hand to make professional insurance recommendations based on your unique requirements. However, if you know the covers you need and don’t need advice, you can compare covers and prices and protect your business online in a matter of minutes. Don’t leave it to chance – protect your dog breeders business today.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're business insurance experts

We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Very helpful staff. We were offered several options of different covers and each quote offered was thoroughly explained.”

Veterinary Practice

Customer since January 2025

Our independent customer reviews

Speak to a dog breeders insurance expert

If you know what covers you need, you can protect your dog breeding business online in just a few minutes. Alternatively, speak to our insurance experts for advice and recommendations – call us to get a dog breeders insurance quote today.