Home » Public Liability Insurance » Dog Breeding Insurance

Dog Breeding Insurance

Compare Dog Breeding Insurance Quotes

  • Protects breeders and puppies from unexpected risks
  • Ensures safety, peace of mind, and smooth operations
  • Fast & simple – fill out one easy form
  • Compare quotes – save time and money
Start a new quote
dog breeding insurance

Search, Compare and Save on Dog Breeding Insurance

h

Enter your details

It takes only 2 minutes to complete the quotation form

Compare your quotes

Let the specialists compare policies for you over the phone

Start saving

Choose and buy the insurance policy that suits your needs

QuoteRadar.co.uk
is dedicated to helping you find an affordable Dog Breeding Insurance deal with no hassle

Quick Links ▼

What Is Dog Breeding Insurance

Dog breeding insurance is a specialist type of cover designed specifically for professional and hobby breeders who work with dogs. It goes far beyond standard pet insurance. It’s a comprehensive, business-focused policy that protects you against the wide range of risks associated with breeding, raising, and selling puppies.
A responsible dog breeder manages everything from mating selection and genetic screening to puppy care, socialisation, and customer communication. Many also handle sales, marketing, transport, and regulatory paperwork, all while maintaining high welfare standards.
Dog breeding is the professional practice of mating selected dogs to produce puppies with specific qualities, whether it’s temperament, physical traits, or pedigree.
But as rewarding as it is, dog breeding carries risks, ranging from accidental injuries, puppy health issues, and buyer disputes, to property damage and legal claims.
But this hands-on profession isn’t without risk. Injuries can occur to both dogs and the people who visit your property. A puppy might fall ill unexpectedly, or a buyer might claim they were sold an unhealthy dog. Dogs could escape and cause damage to neighbouring properties. Even something as simple as a visitor slipping on a wet floor could result in legal trouble.
Get Quotes

Why Do Dog Breeders Need Insurance?

Whether you’re running a licensed breeding operation or raising a few litters a year at home, you’re exposed to a range of risks that can lead to unexpected costs or legal challenges.
According to the British Kennel Club, over 250,000 puppies are registered each year in the UK, making breeding a highly active and closely monitored industry.
With increasing public and legal scrutiny, breeders today are expected to meet strict welfare and safety standards. Dog breeding insurance isn’t just recommended, it’s required, especially when applying for licenses or selling to the public.
Without proper insurance, even a single incident could put your finances—and your reputation, on the line. Here are a few cases where insurance becomes essential:

  • A puppy bites or scratches a visitor during a viewing, leading to a personal injury claim.
  • A customer trips over a food bowl or crate on your property and requires medical treatment.
  • A vehicle carrying dogs is involved in an accident, resulting in injuries or delays.
  • Your breeding equipment is damaged or stolen, affecting your ability to care for the dogs.
  • A buyer takes legal action after a puppy falls seriously ill, alleging poor breeding practices.
  • An assistant or volunteer is injured while handling a nervous or aggressive dog.

Even with the best care and intentions, accidents and misunderstandings can happen. Dog breeders insurance provides a vital safety layer, helping cover legal fees, medical costs, compensation claims, and property loss.

What Does Dog Breeder Insurance Cover?

Public Liability Insurance

This insurance is an important type of cover for dog breeders. It helps protect you if someone gets injured or something is damaged because of your dogs or your breeding business.
For example, if a delivery person slips on a wet floor while dropping off supplies, or if a dog knocks over and breaks a visitor’s phone, this insurance helps pay for the damages or medical costs. It’s especially important when meeting clients, attending community events, or allowing visitors into your breeding area.
Even in a calm and controlled setting, small accidents can lead to big expenses. Public Liability Insurance helps you avoid unexpected costs and protects your business reputation.

Professional Indemnity Insurance

Professional indemnity cover is important for dog breeders who give advice as part of their service. If you suggest a training method, feeding plan, or care routine for a puppy, and the new owner believes it caused harm or led to unexpected costs, they might take legal action.
Even if your advice was given with good intentions, you could still be held responsible. This insurance helps cover the cost of legal defence and any compensation you may need to pay. It’s a smart way to protect yourself if you offer support, recommendations, or expert guidance to your clients.
Professional Indemnity gives you the confidence to share your knowledge without fear of costly claims. It shows clients that you take your role seriously and are prepared for any outcome.

Employers’ Liability Insurance

Employers’ liability cover is a legal requirement if you hire anyone to help with your dog breeding business. This includes full-time staff, part-time workers, or even volunteers. It protects you if an employee gets injured or becomes ill while doing their job. For example, if someone is bitten while handling a dog or slips while cleaning the kennels, this insurance helps cover medical costs, lost wages, and any legal claims.
Accidents can happen even in safe, well-managed environments. Without this cover, you could face heavy financial penalties or lawsuits. Employers’ Liability Insurance shows that you care about the safety of your team and are meeting your legal responsibilities.

Business Equipment & Stock Insurance

Business Equipment & Stock Insurance protects the valuable tools and supplies you use in your dog breeding business. This includes items like:

  • Whelping boxes
  • Grooming kits (clippers, brushes, dryers, scissors)
  • Crates and carriers
  • Heat lamps and heating pads
  • Weighing scales
  • Sterile medical supplies (gloves, syringes, thermometers, etc.)
  • Feeding bottles and milk replacers
  • Microchip scanners and tagging tools
  • Puppy pens and play enclosures
  • Cleaning and sanitation equipment (disinfectants, PPE, vacuums)

If these are stolen, damaged in a fire, or ruined by a power surge, this insurance helps cover the cost to repair or replace them. Without this cover, replacing important equipment out of pocket could be expensive and disrupt your work.
Whether you’re running a home-based setup or attending large events, having this protection keeps your business running smoothly.

Legal Expenses Insurance

Legal Expenses Insurance is designed to support dog breeders when legal issues arise. Whether you’re dealing with disputes involving buyers, employees, suppliers, or licensing authorities, this cover helps manage the cost of legal action.
For example, if a client claims a puppy they bought has a pre-existing genetic condition that wasn’t mentioned and decides to sue. This insurance can cover solicitor fees, expert veterinary reports, and court costs.
Legal problems can be stressful and expensive, even if you’re in the right. This policy gives you the backing to defend your business properly. It is a smart layer of protection that helps you handle disagreements professionally and with confidence.

Personal Accident Insurance

This insurance provides essential support if you’re injured and can’t continue your dog breeding activities.
For example, if you hurt your back while lifting a large dog during grooming or have a fall while cleaning kennels, this policy steps in to help. It offers financial assistance during your recovery, covering lost income, and medical costs, or even help with running your business while you’re out of action.
Breeding dogs is physically demanding, and unexpected injuries can bring your work to a halt. With this cover, you don’t have to worry about how you’ll manage financially while you heal.

Optional Add-ons

1

Van and Vehicle Cover

For many dog breeders, vehicles play a key role in day-to-day operations. Whether you're transporting dogs to the vet, delivering supplies to your kennel, attending training sessions, or showcasing your puppies at dog shows, having a reliable vehicle is crucial. Van and Vehicle Insurance protects against accidents, theft, vandalism, and damage.

Imagine you're on your way to a dog show with grooming kits and crates packed in your van. On the way, you're involved in a minor accident, and the van is damaged, along with some of your equipment inside. Without insurance, you'd be responsible for the repair costs and possible delays in your schedule. With this cover, you're protected from both vehicle damage and the loss of key business tools.

2

Commercial Legal Protection

Even in a well-managed dog breeding business, legal problems can arise when you least expect them. Commercial Legal Protection helps cover the legal costs involved in resolving serious issues, such as disputes with customers, suppliers, employees, or licensing bodies.

For example, if a buyer claims a puppy developed an undisclosed health problem and demands a full refund, legal advice and representation could become necessary. Or perhaps a supplier fails to deliver equipment on time, leading to missed appointments or cancelled sales.

This insurance supports you by covering solicitor fees, expert advice, mediation, and court representation if required. It allows you to handle legal matters professionally, without draining your resources or causing major disruption to your work.

3

Business Interruption Insurance

Disasters don’t always come in the form of legal issues or vehicle trouble—sometimes, it's the physical environment that causes the most damage. Fires, floods, or severe weather can halt your dog breeding operations overnight. Business Interruption Insurance provides financial support during such times, covering loss of income and helping with fixed business expenses while you recover.

Imagine a burst pipe causes flooding in your whelping area, making it unsafe for both dogs and staff. You may need to suspend your services for weeks while repairs are done.

Without income coming in, it becomes difficult to pay for rent, staff wages, or even food for the animals.

4

Cyber Insurance

Imagine your website is hacked just before you announce a new litter or your email account is compromised and client information is stolen. These issues not only harm your reputation but can lead to legal consequences and lost sales.

Cyber Insurance helps cover the cost of data recovery, IT support, legal advice, and even client notification and credit monitoring services if personal data is involved.

It’s a crucial policy for modern breeders who operate online and want to ensure client trust and digital safety.

5

Terrorism Cover

While it may not be a daily concern, acts of terrorism can cause unexpected and widespread damage, even to small businesses. Terrorism Insurance provides financial protection if your property, equipment, or vehicles are damaged in such an event, or if you’re forced to close temporarily.

For instance, if your breeding facility is located near a high-profile location and a nearby explosion damages your windows or kennel structure, the cost to repair the property and replace destroyed equipment could be significant.

Terrorism cover ensures you're not left to manage these costs alone. It helps you recover quickly, repair your facilities, and resume operations with as little disruption as possible.

Professions Covered
Under Dog Breeder Insurance

While this insurance is designed for breeders, related professionals can also benefit:

  • Professional Dog Breeders (both hobby and licensed, small or large scale)
  • Stud Dog Owners and Handlers
  • Show Dog Handlers and Trainers
  • Dog Trainers Involved in Behavioural or Breeding Prep
  • Canine Fertility Specialists and Artificial Insemination Technicians
  • Ultrasound Scanning & Pregnancy Testing Providers for Dogs
  • Pet Transportation Services (local or long-distance puppy delivery)
  • Mobile Veterinary Technicians or Canine Health Advisors
  • Dog Groomers working with breeding clients
  • Dog Boarding and Kennel Businesses
  • Whelping Services and Canine Midwifery Support
  • Puppy Socialisation Experts and Consultants
  • Pet Microchipping Services
  • Breeding Program Consultants or Mentors
  • Pet Event Organisers (including dog shows or adoption events)
  • Mobile Pet Crate or Equipment Suppliers used by breeders
  • Photography or Videography Services for Breeder Marketing
  • Dog Behaviourists specialising in pre- or post-whelping care
  • Dog Walking or Sitting Services linked to breeding businesses
  • Multi-service Pet Businesses offering combined care, training, or sale services
Get Quotes
lady dog breeder
little dog with his breeder

What Is Excluded from Dog Breeder Insurance?

Just like it’s important to know what your insurance covers, it’s equally important to understand what it doesn’t cover.
Here are some common things that are usually excluded:

  • Breeding more than one litter per bitch per year, which may go against welfare regulations or licensing terms
  • Liability arising from the actual sale or transfer of ownership of a dog
  • Injuries or illnesses affecting dogs you own, before they are sold or rehomed
  • Any activities involving dogs listed under the Dangerous Wild Animals Act (DWAA)
  • Breeding, selling, or working with banned breeds or those subject to Dog Control Orders
  • Damage to property that belongs to you, your family, or your employees
  • Business activities conducted outside the UK or in unapproved locations
  • Claims that exceed the maximum limit of your policy or those below your agreed excess amount
Get Quotes
three dogs with breeder

Which Dog Breeds Are Not Covered By Insurance?

When it comes to dog breeders insurance, not all breeds are treated equally. Most UK insurers follow strict guidelines and will not cover dangerous dog breeds insurance.
These restrictions exist to protect both the public and the insurance providers from high-risk claims.
Here’s a list of commonly excluded breeds under standard UK dog breeder insurance policies:

  • Pit Bull Terrier
  • Dogo Argentino
  • Cane Corso
  • Japanese Tosa
  • Fila Brasileiro
  • American Bulldog
  • American Bully (including XL Bully)
  • Wolfdog or Wolf Hybrid
  • Boerboel
  • Czechoslovakian Wolfdog
  • Bandog-type dogs
  • Perro de Presa Canario (Presa Canario)
  • Any breed or crossbreed identified as ‘dangerous’ under the Dangerous Dogs Act 1991
  • Any dog subject to a Dog Control Order or court proceedings related to aggression

Moreover, crossbreeds or mixed breeds that physically resemble restricted or banned breeds may also be refused coverage, even if their parentage is unclear. Breeds not officially banned, like the Cane Corso or Boerboel, may still be excluded due to their size, strength, or guarding instincts.
Each insurer has its specific list. Always check directly with your provider for confirmation.

Get Quotes

Does Pet Insurance Cover Pregnancy Costs?

Pregnancy and whelping are often misunderstood when it comes to pet insurance. Many assume that routine policies will step in during complications, but in reality, standard pet insurance seldom covers breeding-related issues.
Here’s what is typically excluded from a regular pet policy:

  • Vet costs for caesarean sections. Even in emergencies, C-sections are often classed as breeding-related procedures and excluded from cover.
  • Conditions like eclampsia, infections, or nutritional deficiencies during pregnancy are usually not covered.
  • If your dog struggles during labour or needs medical intervention, you’ll likely be responsible for all associated costs.
  • Loss of puppies or failed pregnancies are not considered insurable under most standard policies.

    Unless you’ve arranged a specialist puppy breeder insurance policy that clearly includes pregnancy and whelping coverage, these costs will need to come out of your own pocket.

What Is a Puppy Transitional Cover?

Puppy transitional insurance is a short-term policy designed to protect puppies after they leave your care and go to their new homes. It acts as a bridge between the breeder and the new owner, offering immediate cover while the buyer arranges their long-term pet insurance.
It usually provides 4 weeks free puppy insurance starting from the day the puppy goes home and is offered by specialist insurers or as part of breeder partnership programs. It covers basic vet fees, illness, and accidents during the transition period and helps encourage responsible ownership from day one.
It’s important to understand that while this type of cover supports the puppy’s new owner, it does not protect you as the breeder during the time the puppies are in your care.
For that, your insurance must include cover for newborns and young pups, from birth until the moment they are re-homed.

What Are The Cheapest Dog Breeds To Insure In UK?

The following dog breeds are the cheapest to insure. Costs may vary depending on individual dog history, age, location, and the type of cover (accident-only vs. lifetime).

  • Border Terrier
  • Labrador Retriever
  • Jack Russell Terrier
  • Yorkshire Terrier
  • Miniature Dachshund
  • Whippet
  • Shih Tzu
  • Cairn Terrier
  • Staffordshire Bull Terrier
  • Crossbreeds/Mixed Breeds (especially for smaller breeds with greater vigour)

How Much Does Dog Breeder Insurance Cost?

The cost of this insurance can vary greatly depending on the size and scope of your breeding operation. There’s no flat rate. What you pay will depend on the level of risk, the number of animals you care for, and the type of cover you require. On average, small-scale breeders might pay around £15–£30 per month, while larger, licensed operations may pay significantly more for comprehensive coverage.
Several factors influence the overall price of your policy. One of the most important is the number of dogs you breed and how many litters you produce per year. The more animals you manage, the higher the risk, which often leads to a higher premium.
The breeds you work with can make a significant difference. If you breed restricted, large, or high-risk breeds, your policy will be more expensive.

Tips to
Reduce Insurance Costs for Dog Breeders

Z

Bundle Your Cover

If you need multiple types of insurance like public liability, business equipment, and van cover—try combining them with the same insurer. Bundling policies often come with discounted rates and make everything easier to manage under one plan.
Z

Multi-Dog or Kennel Discounts

If you have several breeding dogs, you could save money by choosing a multi-dog policy or a dedicated kennel insurance plan. These options are often more cost-effective per dog compared to insuring each one individually, making them ideal for larger breeding operations.
Z

Improve On-Site Safety

A well-maintained and secure breeding setup not only protects your dogs, it can also lead to insurance savings. Install proper fencing, clear safety signage, secure gates, and clean kennels.
Z

Limit Litters Per Pet

Breeding more than one litter per pet per year can increase your risk profile and potentially breach policy terms. Staying within welfare guidelines keeps your premiums lower and your reputation intact.
Z

Microchipping

In the UK, it’s a legal requirement to microchip all dogs by the time they are 8 weeks old. Making sure your dogs and puppies are chipped and keeping those records updated shows that you’re responsible and organised. Insurers are more likely to trust breeders who keep clear health and identity records.
Z

Spray or Neuter Non-Breeding Dogs

If a dog isn’t part of your breeding programme, getting it spayed or neutered is a smart move. It helps prevent surprise litters, reduces aggressive behaviour, and stops dogs from wandering off, all of which can lead to costly problems or insurance claims.
Z

Avoid High-Risks Breeds

Breeding restricted or banned breeds (like XL Bullies or Wolf Hybrids) often means higher premiums or being refused coverage entirely. If you’re looking to keep costs down, stick to insurable breeds and always disclose full breed information.
Dog breeding is a complex and often unpredictable business. When a playful pup turns unexpectedly aggressive or a visitor trips in your kennel, you might get stuck with some serious consequences. Whether it’s an injury, property damage, or legal claim, dog breeding insurance provides peace of mental and financial security.

Frequently Asked Questions

Does dog breeding insurance provide medical cover for a litter of puppies?

This insurance typically does not cover the health or medical needs of a litter of puppies while they are in your care. Standard policies focus more on protecting you from third-party claims, property damage, or legal disputes, not individual puppy health or treatment. However, public liability insurance included in your policy will protect you in case of injury or property damage during a visit to view or collect a puppy.

Do I need dog breeder insurance if I only breed one litter a year in the UK?

Even small-scale or hobby breeders can be held liable if something goes wrong. If you sell or advertise puppies, you may also require a licence, insurance helps protect you regardless of scale.

Will insurance cover me if my puppy buyer sues me under the Consumer Rights Act 2015?

Yes, if you have legal expenses or professional indemnity cover, your policy may help with solicitor costs and defence if a buyer claims a puppy was not as described or unfit for sale.

Am I still covered if I breed from my home instead of a kennel facility?

Many UK insurers offer cover for home-based breeders, but you’ll need to disclose this when applying. Safety measures like secured garden fencing and dedicated puppy areas may be required.

Is insurance affected by whether I’m licensed by my local council?

Yes. In the UK, breeders who produce three or more litters a year or sell puppies must be licensed. Operating without a licence may invalidate your insurance policy.

Does dog breeding insurance cover puppy viewing appointments at my home?

Yes, public liability insurance typically covers injury or damage during client visits, even at a private residence.

Can I get insurance for transporting puppies across the UK to their new owners?

Yes. Some breeder policies or add-ons include pet transport cover for deliveries within the UK. Be sure to ask if this includes loss, injury, or delays during travel.

Do I need separate insurance if I also offer boarding or grooming services?

Yes, or you must declare these additional services so your insurer can create a policy that covers everything you do. Many offer customised packages for multi-service pet businesses. You may also need a license to run a dog grooming facility, which is not covered under any dog breeding policy.