Home boarding insurance clarification anyone?

[LauraM]

I am a start up pet boarding service and have run into a problem wherein my Homeowner's insurance refuses to cover me while operating this home business.

It seems, through the quotes I have been getting, that the business will double the cost of my homeowners insurance and I will need to get an addition rider for liability?

Am I missing something here? It would cost me over £600 per year for this as extra. Sound right?

cheers,
Laura

 

[s4sugar]

You would need business cover on your homeowners insurance which limits the companies you can choose from plus you need care, custody & control of animals cover & recommend some vets fees cover as well. You will need to talk to a specialist for this as houshold insurance won't cover these risks. - probably £200 odd per year. I would expect home insuranse to be about double what it would be without a business too.

 

[LauraM]

Thanks for the info.

I was not intending to make much money from this--probably wouldn't even cover that amount of insurance.

Too bad. Would have been really nice for the dogs to have another option besides the kennels :-(

 

[s4sugar]

You would also need a license & possibly planning consent.

 

[Maesfen]

Is Patches still a member on here as she is in her second year of doing this? If you PM her she might be able to give you some pointers.

 

[CAYLA]

I have all insurances and a license it can be done and I dont pay no where near £600 a year. I think my boarding insurance and home insurance are just under £300 a year. Its definately worth it for me but then im really busy year in and out.