Pet Business Insurance that covers the pets in your care

Public Liability of $5 million, $10 million or $20 million, with a $250,000 Care, Custody and Control sub-limit for customers’ animals in your care.

$250,000 Care, Custody & Control Cover

Our standard sub-limit for customers’ animals in your care, applying in total for the policy period.

Designed for Pet Professionals

Insurance structured for pet businesses where standard small-business policies may not address the same risks.

At a glance

What does Pet Business Insurance cover?

Pet Business Insurance arranges Public and Products Liability cover for Australian pet businesses, with limits of $5 million, $10 million or $20 million. Our standard arrangement includes a $250,000 Care, Custody and Control sub-limit for customers’ animals, applying in total for the policy period. Professional Indemnity is available separately at $1 million, $2 million or $5 million.

Eligibility, limits, exclusions and premiums vary. The policy wording and your quote determine the cover provided.

Cover arranged for groomers, dog walkers, pet sitters, boarding operators and trainers across all Australian states and territories.

Why Pet Businesses Choose Us

Pet professionals face risks that standard small-business insurance may not properly address.
When you’re responsible for someone else’s animal, the exposure is different — emotionally, financially and legally.

We specialise in helping Australian pet businesses arrange insurance that reflects the risks involved in working with animals.

Whether you’re a groomer, dog walker, trainer, sitter, boarding operator or another eligible pet professional, we help you arrange cover designed around the pet-care industry.

Specialised for Pet Businesses

Australian-Based Specialists

Fast Quotes & Personal Support

Care, Custody & Control cover

  • Dedicated Support
  • Simple Quote Process
  • Designed for Small Pet Businesses
  • Australian Owned & Operated

Who We Cover

We help arrange insurance for a wide range of pet-related businesses across Australia.

Dog Walker Insurance Australia

Dog Walker Insurance

Insurance options for dog walking businesses, including cover for certain risks involving clients and dogs in your care.

Pet Grooming Insurance

Pet Grooming Insurance

Insurance options for mobile groomers and grooming salons, including cover for certain business risks and pets in your care.

Pet Sitting & Boarding

Cover options for certain insured events involving pets in your care during short visits or overnight stays.

Pet Sitting & Boarding Insurance

Pet Transport Insurance

Insurance options for eligible businesses transporting pets between locations.

Training & Behaviour Services

Dog Trainer & Behaviourist Insurance

Public Liability and Professional Indemnity options for eligible dog trainers and behaviour specialists.

Microchipping Practitioners

Microchipping Practitioners

Insurance options for eligible practitioners performing microchipping services.

Insurance Options for Pet Businesses

Flexible Cover Options

Choose from Public and Products Liability limits of $5M, $10M or $20M, subject to eligibility and underwriting.

Care, Custody & Control Cover

A $250,000 sub-limit for customers’ animals in your care, applying in total for the policy period.

Australian Based Support

Speak with someone local who understands the pet industry and your business.

Pet Business Insurance & Types of Cover

Every pet business operates differently – from early-morning dog walks and busy grooming days to training sessions and caring for pets overnight. When you’re responsible for someone else’s pet, accidents can happen. Pet Business Insurance helps Australian pet professionals arrange cover for certain risks involving their business, clients and customers’ animals.

Cover Limit
Public and Products Liability $5m / $10m / $20m
Care, Custody and Control
Customers’ animals in your care		 $250,000
In total for the policy period
Professional Indemnity
Quoted separately		 $1m / $2m / $5m
Miscellaneous Errors and Omissions
Available as an add-on, quoted separately		 $250,000 sub-limit
Standard excess $250
Where we arrange cover All Australian states and territories

Limits and extensions vary by occupation and by the terms offered.

Public Liability Insurance

Public Liability Insurance may help cover certain claims if someone is injured or their property is damaged in connection with your insured business activities.

Public Liability Insurance

Professional Indemnity Insurance

Professional Indemnity Insurance may help cover certain claims arising from mistakes, omissions or professional advice provided as part of your insured services.

Professional Indemnity Insurance

Care, Custody & Control

Care, Custody & Control (CCC) cover, also known as animal bailee insurance, carries a $250,000 sub-limit for customers’ animals and may respond to certain insured events during walking, grooming, boarding or training.

Care, Custody & Control

Cover is subject to eligibility, underwriting acceptance and the applicable policy terms, conditions, limits, excesses and exclusions. Please review the relevant policy documents before deciding whether the insurance is appropriate for you.

Dog walking, grooming, pet sitting & boarding, and training cover

Cover for certain risks involving pets, clients and your business

Insurance options designed around pet-care risks

Specialist Pet Business Insurance Across Australia

Pet business insurance questions, answered

The questions we are asked most often by groomers, walkers, sitters, boarding operators and trainers.

A standard Public Liability policy may exclude property in your care, custody or control, and animals can be treated as property for insurance purposes. Our standard arrangement includes a Care, Custody and Control extension with a $250,000 sub-limit, applying in total for the policy period. It may respond where you become legally liable for injury to or loss of a customer’s animal while it is in your care, subject to the policy terms, conditions, limits and exclusions.

Quotes issued in September 2026 for eligible sole traders taking $5 million Public Liability with $250,000 Care, Custody and Control have typically been around $320 a year, including fees, charges and GST. Cover at $20 million has been arranged at around $495 a year. These figures are indicative only and are not a quote. Your premium can vary depending on your occupation, turnover, staff or contractors, claims history, activities and the limits you choose.

Common Public Liability limits are $10 million and $20 million. Sometimes the amount is determined by a council, landlord, commercial contract or venue rather than by the business itself. If you have been given a required liability limit, tell us when requesting your quote so we can arrange the appropriate option.

If a dog under your control injures another dog, the circumstances may fall within the Care, Custody and Control extension where you are found legally liable for the incident. For example, a claim could arise where dogs were not adequately supervised or controlled. Cover depends on the circumstances and is subject to the policy terms, conditions, limits and exclusions.

Holding customers’ keys is common for dog walkers and pet sitters and can be declared as part of your business activities. Any cover for liability arising from lost keys depends on the policy terms and the circumstances of the claim.

The Care, Custody and Control extension may respond to certain incidents involving a customer’s dog while it is being transported as part of your insured pet-business activities, where legal liability is established. Damage to your own vehicle is not covered by Public Liability or Care, Custody and Control and would generally need to be considered under appropriate motor insurance.

If you charge for professional advice, training or behaviour services, Professional Indemnity may be important. Public Liability and Professional Indemnity cover different risks. Public Liability generally deals with injury or property damage, while Professional Indemnity may respond to certain claims arising from professional advice, errors or omissions. Professional Indemnity is available separately with limits of $1 million, $2 million or $5 million.

A Dangerous Animal Endorsement applies to the standard arrangement. Certain restricted breeds, and dogs declared dangerous or menacing, may be excluded from cover. If you work with restricted, dangerous or menacing dogs, tell us before arranging cover so we can confirm whether the risk can be accepted.

Public Liability primarily responds to your legal liability to other people. It does not generally insure your own property. Your tools, grooming equipment, trailer, vehicle or other business assets may require separate insurance. Claims arising from professional advice may require Professional Indemnity, while workers compensation for employees is arranged under the applicable state or territory scheme.

Contractors and family members working in the business can potentially be included or noted as part of the insured business arrangement. Tell us who works in the business, what they do and whether they work independently or unsupervised so the underwriter can assess the risk and confirm the terms offered.

Once your insurance has been accepted, payment requirements completed and cover bound, your Certificate of Currency can be issued by email. If a council, landlord, venue or another organisation needs to be noted on the certificate, tell us when arranging the policy.

Get a quote for your pet business

One form, about five minutes. No payment details needed, and most quotes come back the same business day.

Prefer to ask a question first? Send us a message.