Insurance

Insurances held by Dr. Geller and Canine Essentials Pty. Ltd.


Canine Essentials and Dr. Geller are fully insured for training Pet Dogs and Assistance Dogs.


This means that Canine Essentials does not provide insurance. Rather, this page explains that Canine Essentials Pty. Ltd. and Dr. Geller are fully insured to engage in the following Business Activities.

Insurance held by Marsh Insurance for Business Activities:

  • Pet Training
  • Expos & Demonstrations
  • Group Classes / Clinics
  • Sport & Obedience Training (including Agility, Rally O, Fly Ball & Track)
  • Behavioural Modification & Assessment
  • Pet Pre-School
  • In Home Training & Private Consultants (Including Companion Animals)
  • Pet Boarding
  • Nursing Home visits & School visits
  • Seminars & Lectures
  • Pet Transportation
  • Pet Walking
  • Distribution / Sale of Products
  • Manufactoring Products (dry pet food / pet accessories etc)
  • Assistance Dog Training and Accreditation
  • Guide/Therapy/Assistance Dog Training
  • Scent Detection AKA Nose Work (Excluding Drugs and Explosives)

Limits of Liability of the Insurance Held with Marsh Insurance

Public Liability $ 10,000,000

Contingent Care, Custody & Control Extension $ 50,000 per animal

Pollution Liability $ 10,000,000

Products Liability $ 10,000,000

Professional Indemnity $ 2,000,000


EXCLUSIONS

  1. ABSOLUTE CORONAVIRUS EXCLUSION

Any claim, loss, liability, legal liability, cost or expense of whatsoever nature directly or indirectly arising out of, contributed to by or resulting from coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), or any mutation or variation thereof.

This exclusion also applies to any claim, loss cost or expense of whatever nature directly or indirectly arising out of, contributed to by or resulting from:

(i) any fear or threat (whether actual or perceived) of; or

(ii) any action taken in controlling, preventing, suppressing or in any way relating to any outbreak of; coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), or any mutation or variation thereof


Insurance Endorsements: Pet Transportation

Canine Essentials Pty. Ltd. Insurance Policy is extended to cover Damage to animals arising directly or indirectly out of the ownership, possession or use of any motor vehicle or trailer by or on behalf of the Insured for the purposes of animal transportation.
All other terms, conditions, limitations and exclusions remain unaltered.


Insurance Endorsements: Care Custody and Control Extension (Pet Liability)

Canine Essentials Pty. Ltd. Insurance Policy extends to cover the Insured’s liability for any Damage to any pet in the Insured’s care, custody and control for an amount not exceeding $50,000 per animal and $250,000 in the annual aggregate.
Provided always that:

  • This Policy shall not apply to any property covered by any other policy in force covering the Insured or any other entity having an interest in the damaged pet
    AND
  • This Policy shall not apply to Damage to horses.

For the purposes of this extension, Damage is defined as injured, lost, fallen ill or death.


Insurance Endorsements: Dangerous Breeds Exclusion

Canine Essentials Pty. Ltd. Insurance Policy excludes any liability, claims, costs or expenses arising directly or indirectly, out of or caused by, through or in connection with dangerous dogs. For the purposes of this endorsement, dangerous dogs shall include, but not be limited to, the following breeds:

  • Pit bull terrier
  • Japanese tosa
  • Dogo argentino
  • Fila brasileiro

And any dog which is classified as being dangerous by the relevant state legislation.
All other terms, conditions, definitions, limitations, exclusions and provisions remain unaltered.

Canine Essentials will therefore not train any dog that is of the above breeds and/or has been declared a dangerous dog by the relevant state legislation.

Assistance Dogs Trained By Canine Essentials: Liability of Damage

According to the leaders in Assistance Dog Standards, Assistance Dogs International (2016b) has designed a “Model Law” that they encourage federal and state bodies to adopt. In this, they consider what should happen if the Assistance Dog should cause damage:

  • The owner of an assistance dog is solely liable for any damage to persons, premises, or facilities including places of public accommodation, public conveyances or transportation services, common carrier of passengers, places of housing accommodations, and places of employment caused by that assistance dog.
  • An “Individual with a disability”, including but not limited to, the blind, visually impaired, deaf, hard of hearing, or otherwise disabled who uses an assistance dog shall keep the dog properly harnessed or Leashed, and a person who is injured by the dog because of an “Individual with a disability”, including but not limited to, the blind, visually impaired, deaf, hard of hearing, or otherwise disabled failure to properly harness or leash the dog is entitled to maintain a cause of action for damages in a court of competent jurisdiction under the same laws applicable to other causes brought for the redress of injuries caused by animals.
All clients who have had (or are engaged with) training their Assistance Dogs with Canine Essentials have agreed to accept liability of damage.

  

CANINE ESSENTIALS DO NOT SUPPLY ASSISTANCE DOGS.

PLEASE CONTACT TAPUA LABRADORS WHO MAY BE ABLE TO ASSIST.

Proudly Force Free!