Is Insurance Necessary for Dog Walking Services? A Closer Look

Dog walking may seem like a low-risk, informal service—but make no mistake, it’s a business. As more people turn to professionals to care for their pets, expectations rise. Clients aren’t just handing you a lead—they’re trusting you with a beloved member of their family.

In the UK, the pet care industry has grown significantly in recent years, and along with that growth comes a new level of professionalism. Platforms like petbusinessinsurance.co.uk offer specialised policies designed for dog walkers and other pet service providers. These aren’t just add-ons—they’ve become essential tools for anyone treating dog walking as more than just a hobby.

The Risks You Might Not See Coming

While dog walking can feel straightforward, a lot can happen on even the most routine walk. Consider these scenarios:

• A dog pulls free and runs into a busy road
• A third party is injured by a dog in your care
• You’re accused of losing a client’s keys or damaging property
• Two dogs fight while under your supervision

Any of these incidents can lead to claims, legal issues, or damage to your reputation. Without insurance, you’re personally liable—and that risk can be costly.

Even the most experienced walkers can’t control everything. Dogs are unpredictable, environments vary, and misunderstandings can arise. Insurance is a buffer against the unexpected.

What Public Liability Insurance Really Covers

Public liability insurance is the most common and important type of cover for dog walkers. It protects you if a member of the public is injured or their property is damaged due to your business activities.

If a dog knocks someone over in the park or breaks a fence while in your care, the resulting costs could be substantial. Public liability helps cover legal fees and compensation, so you’re not footing the bill yourself.

Some policies even include coverage for legal defense costs if a claim is disputed. In today’s world, where legal processes are expensive and time-consuming, this kind of cover brings invaluable peace of mind.

Do You Need Insurance If You Only Walk a Few Dogs?

It’s a fair question: if you’re only walking a couple of dogs a week, is insurance really necessary? The answer depends on how you view your responsibility.

Even part-time or casual dog walkers face the same risks. The number of dogs you walk or the frequency of your jobs doesn’t reduce the liability. A single incident could still result in claims that far exceed what you earn.

Moreover, clients are becoming more cautious. Many now ask for proof of insurance before booking, regardless of how small your operation is. Insurance doesn’t just protect you—it legitimises you in the eyes of your customers.

Why Clients Expect Professional Cover

Today’s pet owners are well-informed and increasingly selective about who they trust with their animals. Insurance is often seen as a baseline requirement for any professional dog walker.

When you carry insurance, you demonstrate:

• Responsibility
• Preparedness
• Long-term commitment to the job
• A business mindset

It’s about reputation as much as protection. Displaying your insurance status can boost client confidence, help you win more business, and position you as a serious service provider—not just someone who happens to like dogs.

The Legal Perspective on Dog Walking Services

In the UK, there is currently no legal obligation to hold insurance as a dog walker. However, if something goes wrong and you’re uninsured, you could face severe personal liability.

Legal frameworks do apply in the event of injury, property damage, or negligence. You’re operating in a public space, with animals that can behave unpredictably. Courts may look at whether you took reasonable steps to protect the public and property—which includes having appropriate cover.

Additionally, if you hire staff or work as part of a larger business, employers’ liability insurance may become a legal requirement.

So while it may not be legally required to carry insurance, it is strongly advisable. The legal consequences of being uninsured can far outweigh the cost of a policy.

Coverage Options Available to Dog Walkers

Not all insurance is created equal. Dog walking policies can vary widely depending on the provider, but most include a combination of the following:

• Public liability insurance: Covers injury or damage to third parties
• Care, custody and control: Protects you if a dog is lost, injured, or falls ill while in your care
• Key cover: Covers the cost if you lose a client’s house keys
• Accidental damage: Protects against claims if you damage a client’s property while collecting or dropping off their pet
• Employers’ liability: Required if you have employees or volunteers
• Personal accident cover: Helps support you financially if you are injured on the job

It’s worth reviewing what’s included and customising your policy based on your working style, the number of dogs you handle, and whether you work solo or as part of a team.

Breaking Down the Cost vs Risk

Insurance premiums for dog walkers are typically affordable, especially when compared to the potential financial impact of a claim.

On average, basic public liability cover might cost as little as £5 to £10 per month. More comprehensive packages, including key cover and care, custody and control, may range between £10 and £30 depending on the level of risk, number of dogs, and location.

That small monthly fee can safeguard you against:

• Legal fees running into the thousands
• Compensation payouts
• Reputational damage if you’re unable to handle claims properly

It’s a straightforward equation. A small cost now avoids a big cost later.

Building Confidence with Insurance in Place

Beyond financial protection, insurance has a psychological impact. Knowing you’re covered allows you to work with confidence, focus on the dogs, and grow your business without the constant worry of what might go wrong.

Many dog walkers find that having insurance opens doors:

• Landlords and councils may require proof for commercial use of public spaces
• Pet owners are more likely to refer a professional who’s fully covered
• Partnerships with other pet service providers become easier when you’re insured

It shifts how you see yourself—from someone offering a casual service to someone running a legitimate, respected business.

Ultimately, insurance for dog walkers isn’t just about ticking a box—it’s about building resilience, trust, and professionalism into everything you do.