• Duty of disclosure of Material Facts (Duty of Presentation)

    A material fact is an important fact about you or your circumstances. Fair presentation means that you must have disclosed all material facts, matters and circumstances which you know, which could influence an insurer's or underwriter's decision to accept your insurance. This also applies to facts that you ought to know. You must disclose sufficient information to make the insurers aware that they need to make further enquiries. They can then choose to accept or decline your insurance. If they accept, they may apply certain terms. The duty of fair presentation is a significant obligation placed upon you under the contract of insurance. If you fail to meet this obligation, insurers can take various actions in accordance with the Insurance Act 2015.

  • Section 1 - Proposer Details

  • Date of Birth*
     / /
  • Format: 00000 000000.

  • Is the address to be insured the same as your postal address?*
  • Is a joint policy required?*
  • Date of birth*
     / /
  • Are you a member of the Pet Industry Federation (PIF) or Licenced Kennel & Cattery Association (LiKCA)?*
  • Do you, or your directors or partners within your business, have any formal qualifications relating to this business?*
  • Have you or any director, partner or other board member involved with the business ever been disqualified from acting as a director of a limited company or member of a limited liability partnership?*
  • Have you or any director, partner or other board member involved with the business ever had an insurance proposal cancelled, withdrawn, declined or made subject to special terms?*
  • Have you or any director, partner or other board member involved with the business ever had a licence revoked, been refused a licence request or had a licence renewal application rejected?*
  • Have you or any director, partner or other board member involved with the business ever been convicted of or charged with a criminal offence, other than a conviction spent under the Rehabilitation of Offenders Act 1974 or any successor legislation?*
  • Have you, or any director, partner or other board member within the business ever been the subject of any insolvency process, including county court judgement, bankruptcy, individual or company arrangement?*
  • Have you or any director, partner or other board member involved with the business ever had any prosecution or notification of a prosecution or receipt of prohibition or improvement notices for breaches of health and safety or fire safety?*
  • Have you or any director, partner, or other board member involved with the business ever been prosecuted by the Environment Agency, been subject to Civil Sanctions or been required to pay clean-up costs following a pollution incident?*
  • Have you or any director, partner or other board member involved with the business ever worked with, contracted with or made any payments to, any person, entity or organisation that is domiciled in or operates in any way from; or travel to the following countries: Cuba, Iran, Non-Government Controlled areas of Ukraine, North Korea, Syria, Afghanistan, Belarus, Myanmar, Russia or Venezuela?*

  • Licence Details

  • Do you have a current licence, issued by your local authority under the Animal Boarding Establishment Act?*
  • Licence start date:*
     - -
  • Licence end date:*
     - -

  • Insurance and Claims History

  • Expiry date of your previous/current policy:
     - -
  • Date new policy should start:
     / /
  • Have you, or your directors or partners within your business, had any incidents in the last 5 years which have resulted in a claim in respect of covers now granted?*
  • Loss date:*
     - -
  • Settled date:
     - -
  • Add another incident?*
  • Loss date:*
     - -
  • Settled date:
     - -

  • Your Insurance Requirements

  • Public and Products Liability

  • What level of public liability cover do you require?*
  • Do you board small domestic pets? (i.e. rabbit, hamster, guinea pigs etc.)*
  • Do you board any council stray animals?*
  • Do you undertake any dog warden activities?*
  • Do you undertake any animal rescue activities?*
  • Do you board any police seized dogs that may include banned breeds?*
  • Rows
  • Do you offer any pet photography or pet wedding services?*
  • Do you hold or attend any shows or events? (maximum number of 150 attendees for on-site shows)*

  • Non-negligent Cover

  • Do you require cover for non-negligent related incidents? (cover up to £5,000 per claim, subject to a minimum £50 excess)*

  • Employers' Liability

    Limit of indemnity £10,000,000
  • Do you have anybody working for your business? (i.e. employed, self-employed, sub-contracted, voluntary)*
  • Do you take on work experience placements?*

  • Property - Buildings

  • Is buildings cover required?*
  • Rows
  • Is the property a Grade I or Grade II listed building? (or Category A if in Scotland)*
  • Rows

  • Property - Contents

  • Is contents cover required?*
  • Rows
  • Are all external doors (other than any designated fire exit) secured by a key operated lock which engages with the door frame and can be engaged from both sides or a security hasp and locking bar secured by a 5 level close shackle padlock?*
  • Are all designated fire exits secured by a panic bar locking system incorporating bolts which engage both the head and sill of the door frame or a mortice lock having specific application for emergency exit doors and which is operated from the inside by means of a conventional handle or thumb turn mechanism?*
  • Are all windows and skylights which are accessible from the ground or easily reached by climbing, secured by means of a key-operated locking device or permanently screwed shut or protected by solid steel bars (less than 10cm apart) or metal grilles?*
  • Are all contents kept in a locked building when out of use?*
  • Has there been an inspection of the electrical installations at the premises in the last 5 years? Note: If there has not, you will need to have an electrical inspection carried out by a suitably qualified electrician with 90 days of the start of the policy and any defects remedied as soon as possible.*
  • Do you have an intruder alarm?*
  • If yes, was it installed by a National Security Inspectorate (NSI) or the Security Systems and Alarms Inspection Board (SSAIB) registered company?*
  • If yes, is it connected to a central station by means of BT RedCare or equivalent?*

  • Property - Away and in transit

  • Is cover required away from the business premises or while in transit? (Within the United Kingdom, The Isla of Man or The Channel Islands)*
  • Rows

  • Money and assult

  • Is cover required for money and assult?*

  • Loss of licence

  • Is cover required for loss of licence?*

  • Section 9 - Business Interruption

  • Is cover required for loss of revenue?*
  • The required indemnity period:*

  • Professional Indemnity

    Professional Indemnity covers you for claims made for costs and expenses that arise from your business activities as a direct result of the advice you give and / or work supplied.
  • Is Professional Indemnity cover required?*
  • If yes, do you belong to any trade professionals associations?*
  • Do you or any employees give professional advice for a fee?*
  • Have there been any claims or complaints against you or your business in respect of animals in your care during the last 3 years?*
  • Are you aware of any events which may lead to a claim being made against you or your business?*

  • Personal Accident

    Personal Accident covers an injury sustained during the course or in connection with your business activities (as described in the policy business description). All people to be covered must be aged between 16 and 75 and live in the UK.

  • The benefits are as follows:

    Capital benefit amount: Up to £10,000

    Weekly benefit amount: Up to £100

    Total event limit: £1,000,000

    Maximum absence period: 104 weeks

    Minimum absence period: 2 weeks

    Additional covers (in addition to the overall limit of indemnity stated above)

    Recruitment expenses: £10,000

    Retraining expenses: £10,000

    Funeral expenses: £5,000

    Medical expenses: £10,000

    Physiotherapy treatment expenses: £5,000

    Workplace alteration expenses: £5,000

    Counselling expenses: £5,000

  • Is Personal Accident cover required?*
  • Is Personal Accident cover required for all staff members?*
  • Rows
  • Is each person to be insured, to the best of your knowledge and belief, in good health and free from physical and mental defect?*

  • Other policies available to you

  • We are able to provide specialist home insurance for those who are using their home for business purposes, as most insurers will not cover this. Would you like to to contact you regarding a quote?*
  • If yes, please provide your renewal date below:
     - -

  • Legal Expenses & Business support

    We are able to provide a commercial Legal Expenses policy & business support package at the cost of £57.04 for the year. A copy of the policy wording is available if you require full details of the terms and conditions of this policy.
  • Would you like us to provide details of the Legal Expenses policy?*

  • Declaration

    By signing this document you are confirming that all the information provided is correct and true. If any of the information within the documents provided is incorrect, you must advise us as soon as possible. We reserve the right to change the terms and conditions, premium, or withdraw this quotation if any information changes or is found to be incorrect.
  • How would you prefer to be contacted by Cliverton?*
  • Would you like to receive news and updates from Cliverton?*

  • Data Protection Act

    By accepting your insurance policy, you consent to us using the information we hold about you for the purposes of providing insurance and handling claims. This may involve processing sensitive personal data about you where it is necessary (for example health information or criminal convictions). This may mean we have to give some details to third parties involved in providing insurance cover. These may include insurance carriers, third party claims adjusters, fraud detection and prevention services, reinsurance companies and insurance regulatory authorities. Where such personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates. This consent must cover both the disclosure of such information to us and its use by us as set out above. The information provided will be treated in accordance with the UK Data Protection Act 2018. You have the right to apply for a copy of your information (for which we may charge a small fee) and to have any inaccuracies corrected.
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