Professional insurance

Optional extras

Loss or theft of keys

Covering loss or theft of keys held in connection with the business and costs in replacing external door locks.

Up to £10,000 in the period of professional insurance

Excess nil

Care, custody and control of animals - non-negligence cover

Covering injury, illness, or loss of an animal whilst in the care of your business as a result of no negligence on behalf of part of the business.

Up to £2,500 per animal

Excess £50 each for every claim

Employers liability

Covering your legal liability to persons working or volunteering on behalf of your and your business.

Up to £10 million

Excess nil

Professional indemnity

Professional insurance covers your business against claims for loss or damage due to negligent advice, services, or breach of professional duty.

Up to £500,000

Excess nil unless claim arises out of the activity of microchipping, where an excess of £250 each for every claim will apply

Personal accident

Covering an individual if they are severely injured or die as a result of an accident whilst working.

Up to £20,000

Seven day waiting period

Benefit table:

Cover	Amount
Death	£20,000
Permanent blindness in one or both eyes	£20,000
Loss of one or more limbs	£20,000
Permanent total disablement	£20,000
Temporary total disablement	£250 per week

Money

Covering your business money against loss or theft.

Up to £5,000

Excess £100 for each claim

Business equipment

Covering portable tools and business equipment including portable electronic equipment against accidental loss, destruction, or damage.

Up to £10,000

Excess £100 for each claim

Business stock

Covering stock in trade against accidental loss, destruction, or damage.

Up to £10,000

Excess £100 for each claim