A Comprehensive Guide to Dog Grooming Insurance: Protect Your Business and Clients Effectively
Dog grooming insurance typically includes liability coverage for pet owners if their pets are injured in your care and workers’ compensation. It may also include property damage coverage.
A bundle of general and commercial property insurance, known as a business owner’s policy (BOP), is often cost-effective for dog groomers. Other policies available for groomers include animal bailee coverage, which protects pets in your care, custody and control.
If you would like to read more information or learn more about the pricing of business insurance, you can do so here.
Dog Grooming Insurance: General Liability
Working with pets comes with its own set of liability risks. From a pet owner accidentally tripping over equipment to the loss or theft of kennels and brushes, dog groomers need to protect themselves against accidents that can occur in their workplace. A standard coverage called general liability insurance can help pay for legal costs and repairs if someone is hurt on the premises.
Depending on the specific business, other policies may also be needed. Errors and omissions (E&O) insurance, for example, helps cover legal costs if a pet owner accuses you of making a mistake while performing a service on their dog. Animal bailee coverage is another option to pay for veterinary bills if a pet is lost, injured or killed while in your care.
Commercial auto insurance is another standard coverage that can pay for damages if an employee injures themselves while driving the company van or causes property damage while on the job. A policy that bundles commercial auto and general liability into a single business owner’s policy can help save money for dog grooming businesses.
Below is a useful table about popular insurance companies in the UK based on what they offer and their Trustpilot rating:
Dog Grooming Insurance: Business Owner’s Policy (BOP)
Pet groomers need to be insured for various risks, whether they run their business out of a salon or go mobile.
- A basic insurance plan for dog groomers typically includes general liability, property damage and workers’ compensation.
- Additional coverages include animal bailee coverage, also known as floater coverage, which protects you when an animal in your care is lost, injured or killed.
- Another option for pet groomers is a business owner’s policy, which bundles standard coverage options into one package. It’s an excellent choice for dog groomers who want to save money on the cost of individual policies.
- Finally, if you travel to clients’ homes for grooming services, consider getting commercial auto insurance. This type of business insurance covers a company vehicle damaged by a collision, vandalism or other causes.
It may also cover you if an employee is at fault for an accident while the vehicle is in use. Similarly, business income protection may help pay for the loss of revenue if your business is forced to close because of covered property damage.
Dog Grooming Insurance: Workers’ Compensation
Even if your grooming team has a good eye and a steady hand, the unexpected can happen. Your groomers may encounter injured pets or damaged equipment at their clients’ homes, and the resulting lawsuits could be costly. Workers’ compensation insurance helps protect you against this risk by paying for medical treatment costs and lost wages if an employee is hurt.
If your business is based in a building, you might need commercial property insurance to cover your business property. This type of coverage typically includes business interruption insurance, which pays for operating expenses while you’re forced to close due to property damage from a covered peril.
Groomers need professional liability insurance to pay for legal fees or settlements if they’re sued for damages linked to the grooming services they provide. You can find this type of coverage as part of a business owner’s policy (BOP) or as a separate policy. Errors and omissions (professional liability) coverage is also a good option for pet groomers, as it helps pay for legal fees if your grooming services lead to pet injuries or damages.
Dog Grooming Insurance: Commercial Auto
Pet groomers spend much time driving to and from clients’ homes. Commercial auto insurance is necessary whether you transport pets in your vehicle or use a client’s. It can help cover the cost of a damaged vehicle, repairs or medical treatment for an injured employee. Most groomers also need bonding coverage, which helps protect against dishonesty and theft. If a client suspects you of stealing money or jewellery from their home while you’re working on their pet, this policy may help pay for legal defence costs and any settlements or judgments awarded.
Professional liability insurance—errors and omissions insurance—is another standard coverage for dog groomers. Working around rambunctious animals can be stressful, and it’s not uncommon for mistakes to occur. Whether you’re bathing Ringo and accidentally cut him, or an owner claims their pet has a skin allergy caused by your products, this coverage can help pay for court fees, damages and judgments. Many groomers also add a critical cover covering your tools and equipment if they’re lost or stolen while you’re at a client’s home.
Dog Grooming Insurance: Business Interruption
Business interruption coverage (business income insurance) pays your operating expenses when a covered event (such as a fire) causes you to close temporarily. It can also cover lost income and payroll. This coverage is usually added to your commercial property or business owner’s policy.
For example, if a fire severely damages your grooming shop, you might need to shut down for several weeks while repairs are made. In that case, BI coverage might cover your profits and rent payments during the shutdown.
As you can see, having the right insurance coverage is essential for dog groomers and other small businesses. A reputable independent agency can help you assess risks and recommend appropriate policies. They can also assist you in developing and maintaining accurate BI worksheets to ensure that your claims are accurately assessed and priced and prevent underinsurance. Contact us to get started. We offer BOP, general liability, commercial auto and business interruption coverage. Our mobile grooming coverage can help you protect your mobile unit.
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