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Insurance is Essential for Alpaca Experiences

Posted on: 1st December 2021

As the popularity of alpaca experiences grows across the UK, owners are being urged to ensure they have the correct insurance in place.

Paul Graham, Managing Director of H&H Insurance Brokers, said the growth in activities involving alpacas and llamas including walks and visits to schools and weddings, meant that people needed to make sure they were protected against any potential incidents or accidents.  

He said: “Many camelid owners are diversifying from simply keeping alpacas and llamas as pets or breeding stock into offering experiences where visitors can meet the animals and go for walks with them.  We have clients who also take alpacas off the premises and into schools or care homes and, because of their gentle nature, they are very popular with young and old alike.

“For any activity that involves the public, it’s important that you have public liability cover. While it’s not a legal requirement like employers’ liability, it is prudent if not essential to ensure you have the right insurance in place.”

Employers’ liability insurance is a legal requirement if you have any employees or unpaid volunteers including friends working under your instruction.  
H&H Insurance Brokers, which offers a dedicated policy for camelid owners, automatically includes employers’ liability as standard in its public liability policies.

Paul added: “The camelid sector has grown significantly over the past 10 years with many of our clients now offering alpaca and llama walking experiences, and sending fleeces and even manure to the market.  We’ve worked in the agricultural sector for more than 30 years and have offered specific insurance for alpacas and llamas for 10 years, so have an excellent understanding of the sector and its specific requirements.

“In insurance terms, alpacas and llamas are classified as exotic animals so require specialist insurance. The most basic policies cover death and theft however, owners should also consider cover for loss of use on stud males and veterinary fees.”

Insure My Alpaca, the specialist insurance product offered by H&H Insurance Brokers, is available nationwide and has a clientbase across England, Wales, Scotland and Northern Ireland.  For more information about Insure My Alpaca visit or call 01228 406290. Online quotes are available.

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