Pet shop insurance

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Insurance cover for your Pet Store

Keeping your shop, contents and any furry friends protected

You take pride and care in your work as a provider of pets and pet products, the work you do is incredibly rewarding – you help find new homes for animals. But as a pet shop owner and pet retailer you may have found that regular shop insurance does not offer you the cover you need, and you’ll want to ensure your business, employees and animals are adequately protected. Our Pet Shop insurance is designed with pet shops in mind and can offer the level of protection your business needs and deserves.



What your pet shop insurance policy includes



Our pet shop insurance policy covers the typical risks associated with running a pet related business with extensive cover available to protect you, your staff, the public and your animals.

Pet shop insurance core covers include:

Public Liability Insurance
Public liability protects in case one of your customers or a member of the public suffers an injury, or property damage as a result of your business, with cover available as standard from £1 million to £5 million, with higher limits being made available upon request.

Product Liability
Cover in case the products you sell cause injury or property damage to a third party.

Employers Liability Insurance
Employers Liability is a compulsory insurance, required by law if you hire anyone within your business. It is there to protect both employees and the business in the event that an injury is caused at work.

Legal Cover
Legal cover gives you ultimate peace of mind, by ensuring any legal or court related costs are covered. Taken either as an optional add-on to cover situations such as Contract disputes or Debt Recovery or as part of one of our core standard covers such as Public liability or Employers liability.


Stock and Contents Cover
Protect the stock and content you need to generate revenue and run your business.

Buildings Insurance
Protect the bricks and mortar parts of your business, with cover against damage to your business premises structure. This might include the floors, walls and roof of your commercial property and will typically also cover any fixtures and fittings too.

Business Interruption insurance
Provides cover for a loss of profits caused by a disaster or loss occurring at your pet shop. With this cover in place we can help get your shop up and running as soon as possible and with as little interruption as necessary with the cover based on your previous years trading accounts.


Why do I need pet shop insurance?



Both animals and humans can be unpredictable at the best of times, and with the business you operate in, you’re exposed to risks from both. From accidents involving employees, slips and falls from customers at your store through to theft of stock and content; not to mention the damage that could be caused to your business if your premises were to be damaged so badly that you could no longer operate from it. Our pet shop insurance cover is designed with pet shop owners in mind. With covers made available to protect you from the typical perils you might face as a pet retail store owner. Our cover is flexible, meaning you can adjust your levels of cover at any point during the term of your policy, without any midterm adjustment fees.

Whether you sell pet products, pets themselves
or both, we’ve got the right cover to protect your business

Cover you can trust

Our specialists will find you the right insurance and the right level of cover, to ensure your business stays protected. Speak to one of our insurance specialists today and find out what we can provide for your pet business. Protect both your business and your furry friends and get a quote through The Insurance Octopus today.

Fast easy protection

We can often insure you same day and have your policy documents sent out that to you same day. Our specialists can also take you through our range of flexible payment options including payments by debit/credit card and direct debit.

Why choose The Insurance Octopus to insure your pet shop?

We proudly make buying insurance different and our cover comes with a range of benefits.

Up to £5 million of cover

Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more available upon request.

Fast specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

An expert who knows your industry

We'll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

Octopus customer rewards

We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

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Pet Shop Insurance FAQ's

Get the answers you're looking for

Can I pay for pet shop insurance monthly?

We welcome businesses who want to pay monthly for their insurance, and anyone that wishes to do so can pay via direct debit, spreading the payments for your insurance out over the year. If you’re a business that prefers smaller, regular costs instead of one lump sum, this option might be the best fit for your business.

Can I pay for pet shop insurance monthly?

Why do I need pet shop insurance?

As a pet shop, you are likely to work with customers on a daily basis in physical premises, and this alone makes you vulnerable to claims and action against you should an accident occur in your workplace to one of your customers. This also applies to employees, for which you should also have cover. Ensuring that, should something happen to your stock, you can afford to replace valuable items is also a requirement for any shop – and insurance can cover you for all these, and more.

Why do I need pet shop insurance?

Can I insure my pet shop same day?

Absolutely. All you have to do is pick up the phone, pass us the details and we can have your insurance signed, sealed and ready to go before you’ve even hung up. We can provide a full, personalised quotation based on the exact day to day needs of your business, creating a level of cover that fits you and your shop perfectly. Contact us today to get your shop covered.

Can I insure my pet shop same day?

How it works

Examples of Pet Shop Insurance in action

A ‘little accident’ worth £10,000

Due to an overexcited puppy having a little accident within the pet store away from the eyes of the staff, a customer at a pet shop slips on a new, un-signposted puddle within the store, resulting in neck and back injuries and the ruining of her clothes. The customer is fully within her rights to claim against the store for compensation as well as for legal costs and other fees. The pet shop has thankfully taken out full public liability insurance, allowing their customer to complete her claim without any loss to their business.

Pet shop blaze

The owner of a pet shop which provides aquatic creatures and reptiles has put in a claim request following a fire at the store. None of the pets inside were harmed directly as a result of the fire however a fish tank was broken during the fire unfortunately resulting in the loss of the fish. The store will be up a running as normal within a week or two with really only minor damaged suffered, with the loss of some stock and the odd table suffering damage. Following the incident the pet shop owner was able to successfully claim for the loss and damage of contents and stock due to having adequate contents and stock covers on the policy. They were also able to activate their business interruption insurance cover for the couple of week’s worth of trade lost due to the fire

Other types of Retail Shop Insurance we can provide

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Takeaway Food Insurance

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