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Why do pet groomers need insurance?
Along with the risks of any small business, pet groomers face the added liability of pets being injured or becoming sick while in their care. Pet grooming insurance can cover legal expenses, veterinary bills, and property repairs after an accident at your salon or mobile dog grooming business.
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With Insureon, dog groomers can get insurance coverage the same day they apply for quotes.
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What types of insurance do dog groomers need?
These insurance policies cover common risks faced by pet groomers.
General liability insurance
General liability insurance covers basic pet grooming risks, such as an accidental pet injury. Bundle it with commercial property insurance for savings in a business owner’s policy.
BEST FOR
- Pet injuries
- Customer injuries
- Libel and other advertising injuries
Business owner's policy
This policy bundles commercial property insurance and general liability coverage under one plan. A BOP is often the most cost-effective type of business insurance for pet groomers.
BEST FOR
- Pet injuries
- Customer bodily injuries
- Business property damage and theft
Errors and omissions insurance
This policy covers legal costs related to work performance, such as a pet owner who sues over a dog’s injury from a nail clipping. It's sometimes referred to as professional liability insurance.
BEST FOR
- Mistakes that lead to pet injury
- Failure to deliver promised results
- Accusations of negligence
Workers’ compensation insurance
This policy is required in almost every state for pet grooming businesses that have employees. Workers’ comp can help cover medical costs when a groomer is injured on the job.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Cyber insurance
This policy helps pet grooming businesses recover financially from data breaches and cyberattacks. It's recommended for any small business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
Commercial auto insurance covers the cost of an auto accident involving a vehicle owned by a pet grooming business. Each state has its own auto liability insurance requirements.
BEST FOR
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does insurance cost for pet care professionals?
A small pet grooming business will pay less for insurance than a larger facility.
Factors that affect premiums include:
- Pet care services offered, such as mobile grooming, kennels, or day care
- Business property and equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
How do I get pet groomer insurance?
It's easy to get dog grooming insurance and fidelity bonds if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your grooming services, whether you work independently or hire employees.
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