What a recent BBC story reveals about pet insurance in the UK
A pet owner was faced with an £8,000 bill after their insurance did not cover the treatment as expected.
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Published: 12 June 2026
Having clear terms and conditions (T&Cs) is one of the easiest ways to make your dog walking business look more professional, avoid misunderstandings, and protect yourself if something goes wrong.
They're also a great way to set expectations before the first walk. Your T&Cs can explain what services you offer, how bookings work, what happens if someone cancels, and what you'll do in an emergency.
If you're wondering why agreements like these matter in the first place, take a look at Why do I need a contract for my pet business?
In reality, most dog walkers use terms like "terms and conditions", "contract", "service agreement", and "client agreement" to mean pretty much the same thing: a written agreement that clients accept before you start providing your services.
For most dog walking businesses, your T&Cs are where you:

Before you put anything on paper, think about exactly what your business offers. The clearer your services are, the easier it will be to write terms that clients understand.
Ask yourself:
If you're also checking whether your business needs a licence or has to follow local rules, you might find Do I need to be licenced for my pet business? helpful.
Your T&Cs don't need to be full of legal jargon or dozens of pages long. They just need to clearly explain how your business operates.
Here are the key sections worth including.
Include your business name and contact information, along with your client's details and an emergency contact person who can make decisions if the owner can't be reached.
Be clear about what clients are paying for, including:
The more specific you are, the less room there is for misunderstandings.

Many dog walkers like to carry out an initial assessment before accepting a new client. This gives you a chance to see whether the dog is suitable for your service and allows you to decline bookings if safety is a concern.
Explain how clients book with you, how much notice you need, how bookings are confirmed, and what happens if plans change at short notice.
Set out your pricing and payment expectations clearly, including:
Clear payment terms can prevent awkward conversations later.
Let clients know:
It's worth stating that owners are responsible for making sure their dog is healthy enough to exercise, isn't known to be dangerous, and meets any vaccination or parasite prevention requirements you have.
If you run group walks, consider requiring owners to keep their dogs up to date with flea, tick, and worm prevention and to tell you about any contagious illnesses.
Explain your expectations for collars, harnesses, leads, ID tags, and microchips so everyone knows what's required before a walk begins.
Spell out when dogs must stay on lead, when off-lead walking may be allowed, and make it clear that even with owner permission, you can decide to keep a dog on lead if conditions aren't suitable.
If you offer group walks, explain how dogs are matched and what standards they need to meet.
Your T&Cs should make it clear that you can refuse or suspend services if a dog's behaviour puts people or other animals at risk. You may also want to explain how incidents will be handled.
If you collect dogs from their homes, explain how keys are stored, labelled, and returned, along with any alarm procedures and your lock-up process.
Include permission to seek emergency veterinary care if needed, transport the dog to a vet, and contact the owner's preferred practice. It's also sensible to explain that veterinary costs remain the owner's responsibility unless agreed otherwise.
If you like sharing photos of dogs on social media, let clients know and give them the option to opt in or opt out.
A short statement explaining that you process personal information and have a privacy policy helps demonstrate that you take data protection seriously.
Mention that you hold appropriate business insurance and explain, in simple terms, what it's there for.
It's helpful to explain what you're responsible for and what falls outside your control. Because this wording can have legal implications, it's worth getting professional advice.
Explain that you may shorten, change, or cancel walks during extreme weather or unsafe conditions and let clients know whether charges still apply.
Set out how either party can end the arrangement, how much notice is required, and the circumstances where services may be ended immediately.
Tell clients how they can raise concerns and what they can expect from your complaints process.
You could include something like:
Cancellations within 24 hours of the scheduled walk are charged at 100% of the booking fee. Cancellations made within 48 hours are charged at 50%. Clients on recurring weekly bookings may pause services by giving seven days' notice.
If you accept bookings online or over the phone, it's also worth checking whether consumer cancellation rights apply. If you're unsure, legal advice is recommended.
Your terms and conditions set the rules, but you'll usually need supporting forms to collect important information from clients.
These might include:
Together, these documents make it much easier to deliver your service safely and consistently.
Some of the biggest mistakes dog walkers make include:
Your terms and conditions explain how your business operates, but they won't pay legal costs or compensation if a serious incident happens.
If you want to help clients understand the role insurance plays, you can also point them towards information about professional dog walking insurance or wider pet business insurance.
Before publishing your T&Cs, make sure you've covered:
This article is intended as general information only and isn't legal advice. If you need terms and conditions tailored to your specific business and circumstances, consider speaking to a qualified legal professional.