Business insurance for pet shops

Protecting your pet shop with business insurance means your attention can remain on providing the best service.

Whether you specialise in furry friends, aquatic life, reptiles, or all of the above, you’re relied on to provide a safe environment for animals, customers and staff. Pet shop insurance can be tailored for your business to include key cover, such as liability and property insurance, to help if things go wrong.

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Why choose Hiscox for pet shop insurance?


Cover from £8.40 a month*

Tailor business insurance to your pet shop and only pay for the cover you need, from £9.80

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between January 2023 and January 2024


Flexible insurer

We allow you to make unlimited policy changes and pay your pet shop insurance on a monthly basis


Award-winning service

We're proud winners of the Feefo Platinum Trusted Service Award in 2024, rated by real customers

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Get a quote for business insurance and any covers you might need. Build online, or by phone or email.

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Why do pet shops need insurance?

Customer accident

Your pet shop is visited by customers and animals searching for the perfect food, bed or toy. Although this creates a welcoming setting, it also makes accidents a possibility. For instance, the water bowls you fill for dogs could create a slip hazard if spillages aren’t cleaned or signposted. By adding public liability insurance to your pet shop policy, you’ll have financial help with certain claims against your business. These could relate to injuries to members of the public or damage to their property.

Employee illness

Being an employer comes with the responsibility of ensuring employee health and safety at work. A shop supervisor could develop a respiratory issue due to your cleaning or grooming products. An assistant may even pick up an injury carrying heavy bags of pet food. Employers’ liability insurance can step in to help with the cost of legal fees and resulting compensation if a pet shop employee develops a work-related ailment.

Stock damage

The storeroom of your pet shop contains bags of feed, treats for animals of all species, plus bedding and accessories. These items are all vital for your work preparing pets for their new homes. If storm damage causes flooding to your shop, this stock could be ruined. Tailoring your pet shop policy to add suitable property insurance can help with the cost of recovery from such an incident – including building repairs and stock replacements.

What insurance is available for pet shops?

Your pet shop policy can also be tailored to include cover for your business from both legal protection and cyber insurance for issues such as contractual disputes and cyber breaches.

Need to talk things through? Contact us to explore business insurance by phone or email.

Tailor your insurance

Not sure what you need? Tell us more about your pet shop business. We want to hear what you do and the challenges you face.

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Insurance for pet shops: FAQs

How much does pet shop insurance cost?

The amount and how much insurance you’ll need for your pet shop will depend on a few things, including the size of your business.

The overall cost could also be dependent on the types and number of business insurance products you add to your policy.

The limits you apply to your chosen covers also make a difference. For example, pet shops with spacious storerooms filled with stock might require a higher sum insured for business contents.

Read our FAQ guide to how much business insurance costs for more detail.

How quickly can I get insurance for my pet shop?

With Hiscox, it’s possible to get a quote for business insurance for your pet shop and buy a policy online in a matter of minutes. Once you’ve purchased your insurance, you’ll have immediate cover, and your documents should follow in an email, as long as no specific changes are required.

We also let you make unlimited changes to your policy if your pet shop’s circumstances change. For instance, you might become busier and have to expand your team – in this case, simply get in touch and we can work with you to adjust your cover accordingly. 

What’s the difference between employers’ liability and public liability insurance?

Both employers’ liability and public liability insurance may be key types of cover for a pet shop to have – but there are differences between them.

These differences are based on who the claim is being made by. If someone from within your business files a claim, then employers’ liability insurance may help out. This would be relevant in cases where an employee says they’ve experienced a work-related illness or injury.

However, if you face action from someone outside your organisation – whether this is for an injury or damage to property– then public liability cover could help.

Read our FAQ guide on the differences between employers’ and public liability for further information.

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