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Pet Shop Insurance

There are many things to consider when owning a pet shop, and insurance to protect your animals, stock and the public should be at the top of your list.

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Pet Shop Insurance

There are many things to consider when owning a pet shop, and insurance to protect your animals, stock and the public should be at the top of your list.

As a broker, smei is not limited to the offerings of a single insurer. Our role is to select the most suitable insurance cover, based on your needs, from a panel of UK insurers, aiming to provide you with appropriate cover at a competitive price.

We have a team of insurance experts who can offer help and specialist knowledge on the type and level of insurance a pet shop, like Ideal Pet Stores in Clitheroe, Lancashire (pictured above) will typically need. With over 7,000 retail establishments already on cover, rest assured we have the experience and expertise to look after your needs.

You Could Save Over 15% With Us*

Call our team to receive a no obligation, instant quote today.

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers’ liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

Premiums from as little as £199.00

In the past 12 months our customers have paid as little as £199 per annum for pet shop insurance.

50% of our pet shop customers paid less than £380 per annum.*** 

Why Insurance is Important for Pet Shops

Pet shops carry many of the same risks as other retail stores such as cover for stock and cash ‒ however there may be a requirement for increased cover in other areas such as public liability.

Like other retail stores, problems just like a flood can cause huge amounts of damage to your stock as well as your store. Stock cover can provide compensation for those items that are damaged and premises cover will allow for any repairs that need to be carried out on the building itself. Then there are the animals themselves that you may keep in store. You will need to ensure these are safe and you may need additional security measures in place to help prevent your animals going missing. You will also need to ensure you are covered against a claim should one of the animals bite or scratch a customer or member of staff. But what about the loss of profits you may incur if you are forced to close for a period of time? Business interruption cover is essential here. This type of policy will cover gross profit and fixed expenses to help you get back on your feet and enable your pet shop to open again. No matter if you cater for cats or mice, make sure that your business has the right level of cover.

About the Pet Industry

We are believed to be a nation of pet lovers – whether it is a cat, dog, fish, rabbit, or pig. The pet industry relies on this adoration to help it grab a chunk of the British retail industry.

Pet shops provide many things an owner could possibly need for their pet. Food, grooming products, healthcare, and transport are just some of the things you can buy in your local store. Many also have the licence to sell live animals too, making them a place to go when you want to purchase a pet.

These retail stores may come in a variety of different types and sizes, from small independent outlets within a garden centre, dedicated village or high street stores, to national pet shop brands who will have stores up and down the country. Each one is designed to ensure that our beloved pets have the necessities they need – ranging from food, bedding, toys, to grooming services.


Terms and Conditions
* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

** Optional cover may differ dependent upon insurer. 

*** Data compared from 196 policies sold in 2019.

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business. 

I HAVE PREVIOUSLY CLAIMED, CAN YOU STILL COVER ME?

Having a previous clam doesn’t necessarily mean you can’t be covered. New policies are done on a case-by-case basis, therefore please call us on 0330 134 4600 to discuss your circumstances.

DO ALL POLICIES INCLUDE LEGAL EXPENSES COVER?

No, some policies may have a specific extension to include this cover, but not all policies do. We may be able to provide a separate policy for this cover. When you contact us please let us know if you would like it included in your quotation.

HOW SOON BEFORE MY RENEWAL DATE CAN YOU GIVE ME A QUOTE?

As quotes are only valid for a certain period of time, it is best to apply for a quote up to 30 days before your policy anniversary date.

WHAT OPTICIAN IS FEATURED ON THIS PAGE?

We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Framed Opticians, in Manchester is one of our high street heroes. Visit their website here: www.framed-online.com

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Other Available Products

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How do you keep an independent high street pet store open and busy for 50 years, in the face of stiff competition?

We spoke to Philip Preston, manager of family-run Ideal Pet Store in Clitheroe, Lancashire to find out.

Posted 02/05/2019
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