08/12/2023
XL Bully Ban - Update to your Insurance Policy
Further to our previous email regarding the XL Bully Ban, we have updated our wording, which includes the conditions for dogs on the DDA and can be found on page 22. Please find attached. This will be effective with immediate effect.
We have been inundated with a lot of trade specific queries and whilst we cannot advise on government rules, we have tried to provide some guidance below, which allows your business to continue to grow and flourish, but in a safe environment.
There will always be situations and scenarios that have not been mentioned, but ultimately, in the event of a claim, each case will be dealt with individually on its own merits.
DOG WALKERS
As your insurer, you will be covered to walk an XL Bully Dog on the following basis:
The dog is registered with the index of exempted dog (IED) and a copy of the life certificate is obtained and provided to us in the event of a claim.
A copy of the public liability insurance certificate for the dog is obtained and provided to us in the event of a claim.
The dog handler ratio is 1:1 with their handler at all times
The dog is Neutered – in line with Government terms
The dog is Micro Chipped
The dog is kept on a lead and muzzled at all times – in public
If you are walking on a 1:1 basis in a privately rented secure field, you may remove the lead and muzzle on the following basis:
The field must be private property with no public access passing through
The field must be securely fenced and locked so the dog cannot escape
The dog is kept on a lead and muzzled until the gate is shut when entering the field
The dog is put back on a lead and muzzled before opening the gate to leave the field
If there is more than one dog from the same household, they can come to the field together, but the banned breed dog must have its own handler and then another handler needs to be present to supervise the other dogs. If there is more than 1 banned breed in the household, they can come together but each dog must have their own handler.
FIELD HIRE
As your insurer, you will be covered to hire out your private fields for an XL Bully Dog on the following basis:
The dog is registered with the index of exempted dog (IED) and a copy of the life certificate is obtained and provided to us in the event of a claim.
A copy of the public liability insurance certificate for the dog is obtained and provided to us in the event of a claim.
The dog handler ratio is 1:1 with their handler at all times
The dog is Neutered – in line with Government Rules
The dog is Micro Chipped
The field is private property with no public access passing through
The field is securely fenced and locked so the dog cannot escape
The dog is kept on a lead and muzzled until the gate is shut when entering the field
The dog is put back on a lead and muzzled before opening the gate to leave the field
You can remove the lead and muzzle once inside the secured field
If the household has more than 1 dog, they can come to the field together, but the banned breed dog must have its own handler and then another member of the same household needs to be present to supervise the other dogs. If there is more than 1 banned breed in the household they can come together but each dog must have its own handler.
DOG TRAINERS / BEHAVIOURISTS
As your insurer, you will be covered to train an XL Bully Dog in a group class on the following basis:
The dog is registered with the index of exempted dog (IED) and a copy of the life certificate is obtained and provided to us in the event of a claim.
A copy of the public liability insurance certificate for the dog is obtained and provided to us in the event of a claim.
The dog handler ratio is 1:1 with their handler at all times (this can be yourself, a member of staff or the owner aged over 18)
The dog is Neutered – in line with Government Rules
The dog is Micro Chipped
The dog is kept on a lead and muzzled at all times in public and classes
If you are providing the training on a 1:1 basis at the customers home or a privately rented secure field where the dog cannot escape from, the dog is not required to be on a lead or muzzled.
HYDROTHERAPISTS / GROOMER
As your insurer, you will be covered to provide hydrotherapy to an XL Bully Dog on the following basis:
The dog is registered with the index of exempted dog (IED) and a copy of the life certificate is obtained and provided to us in the event of a claim.
A copy of the public liability insurance certificate for the dog is obtained and provided to us in the event of a claim.
The dog handler ratio is 1:1 with their handler at all times
The dog is Neutered – in line with Government Rules
The dog is Micro Chipped
The dog is kept on a lead and muzzled at all times when arriving at your complex
The dog is treated on your private property and is secured and cannot escape
You can remove the lead and muzzle if necessary whilst the dog is in the water as long as you feel comfortable with this
KENNELS
As your insurer, you will be covered to kennel an XL Bully Dog on the following basis:
The dog is registered with the index of exempted dog (IED) and a copy of the life certificate is obtained and provided to us in the event of a claim.
A copy of the public liability insurance certificate for the dog is obtained and provided to us in the event of a claim.
The dog handler ratio is 1:1 with their handler at all times
The dog is Neutered – in line with Government Rules
The dog is Micro Chipped
The dog is kept on a lead and muzzled at all times when arriving and leaving your kennels
The dog is kept separately in a kennel of its own
If at any point the dog mixes with other dogs, it must be kept on a lead with a muzzle and a 1:1 handler
You must check with your local council that your licence allows you to board banned breeds
If walking an XL Bully, you must comply with the dog walker rules above
HOME BOARDING
As your insurer, you will be covered to board an XL Bully Dog in your home on the following basis:
The dog is registered with the index of exempted dog (IED) and a copy of the life certificate is obtained and provided to us in the event of a claim.
A copy of the public liability insurance certificate for the dog is obtained and provided to us in the event of a claim.
The dog handler ratio is 1:1 with their handler at all times
The dog is Neutered – in line with Government Rules
The dog is Micro Chipped
The dog is kept on a lead and muzzled at all times when arriving and leaving your home
The dog can be off lead and unmuzzled whilst in your private home
You must check with your local council that your licence allows you to board banned breeds
If walking an XL Bully, you must comply with the dog walker rules above.
DOG DAYCARE
As your insurer, you will be covered to have an XL Bully Dog in your Daycare facility on the following basis:
The dog is registered with the index of exempted dog (IED) and a copy of the life certificate is obtained and provided to us in the event of a claim.
A copy of the public liability insurance certificate for the dog is obtained and provided to us in the event of a claim.
The dog handler ratio is 1:1 with their handler at all times
The dog is Neutered – in line with Government Rules
The dog is Micro Chipped
The dog is kept separately in a room of its own
If at any point the dog mixes with other dogs, it must be kept on a lead with a muzzle and a 1:1 handler
You must check with your local council that your licence allows you to facilitate banned breeds
If walking an XL Bully, you must comply with the dog walker rules above
PET SITTING / PET MINDING
As your insurer, you will be covered to pet sit or pet mind an XL Bully Dog on the following basis:
The dog is registered with the index of exempted dog (IED) and a copy of the life certificate is obtained and provided to us in the event of a claim.
A copy of the public liability insurance certificate for the dog is obtained and provided to us in the event of a claim.
The dog handler ratio is 1:1 with their handler at all times
The dog is Neutered – in line with Government Rules
The dog is Micro Chipped
The dog is kept on a lead and muzzled at all times when in public
The dog can be off lead and unmuzzled whilst in the customers private home
If walking an XL Bully, you must comply with the dog walker rules above.
You must check with your local council that your licence allows you to board banned breeds
PET TAXI
As your insurer, you will be covered to provide a pet taxi service for an XL Bully Dog on the following basis:
The dog is registered with the index of exempted dog (IED) and a copy of the life certificate is obtained and provided to us in the event of a claim.
A copy of the public liability insurance certificate for the dog is obtained and provided to us in the event of a claim.
The dog handler ratio is 1:1 with their handler at all times
The dog is Neutered – in line with Government Rules
The dog is Micro Chipped
The dog is kept on a lead and muzzled at all times