Public Liability Insurance for Assistance Dogs
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In the UK, assistance dogs need public liability insurance for several key reasons:
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1. Protection Against Liability Claims
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Public liability insurance covers the guardian (the policy will call you ‘the handler’) in case your assistance dog causes injury to a person or damage to property. Even very well-trained dogs can have unexpected reactions in certain situations where the dog is placed under unusual or very stressful circumstances, and if an incident occurs, you as the handler could be held legally responsible.
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2. Compliance with UK Laws and Regulations
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While there is no legal requirement for assistance dogs to have insurance, many organizations, including Assistance Dogs UK (ADUK), recommend it as a safeguard. Some businesses, schools, and healthcare settings may also require proof of insurance before allowing an assistance dog on their premises. We would wholeheartedly recommend it for your protection.
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3. Coverage for Accidental Damage
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Assistance dogs as you know often accompany their guardians in various public places, including shops, restaurants, and public transport. If a dog accidentally knocks over expensive equipment or damages property, public liability insurance helps cover the costs, preventing financial burden on you as the handler.
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4. Ensuring Access to Public Places
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Businesses and institutions may feel more comfortable allowing an assistance dog if they know it has been trained and assessed to recommended levels and covered by insurance. This can help reduce disputes over access rights and ensure a smoother integration into public spaces or workplaces.
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5. Peace of Mind for Handlers
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Knowing that you are covered in case of an accident allows you to focus on your daily activities and enjoying your life with your dog without constant worry or fear about potential claims or financial responsibility.
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Some Insurance Companies to check out
Here are some UK insurance providers that offer relevant cover:
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Agria Pet Insurance
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Agria offers lifetime service dog insurance with coverage options up to £12,500 annually for veterinary fees, including overseas incidents. Their policies also encompass public liability insurance, providing comprehensive protection for assistance dogs.
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www.agriapet.co.uk/service-dog-insurance
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PetGuard
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PetGuard provides support dog insurance that includes coverage against illness, theft, and travel costs. They also offer third-party liability insurance, protecting you if your dog injures someone or damages property.
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Dogs Trust Companion Club
Membership provides third-party public liability insurance up to £1,000,000 per incident if your dog causes damage or injury to another person, their property, or pets. ​
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When selecting a policy, it's important to consider the following factors:
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Cover Limits: Ensure the policy provides sufficient public liability coverage, typically ranging from £1 million to £5 million.
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Veterinary Fees: Check if the policy covers veterinary expenses resulting from illness or injury of your dog while supporting you in public. Some companies do and others only offer Public Liability protection.
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Exclusions: Be aware of any exclusions, such as specific breeds or pre-existing conditions.
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Premium Costs: Premiums can vary based on coverage and the dog's age; compare different providers to find a policy that fits your budget.​
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It's advisable to read the policy documents thoroughly and consult with the insurance provider to ensure the coverage meets your specific needs.
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*Please note* TDT UK does not have a financial affiliation with any of the organisations above, we have just heard good things about their service from our students.
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