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Why do mobile pet groomers need insurance?
Bites and scratches are always a risk when you work with animals. Pet groomer insurance can help pay for medical bills if a dog or an employee is injured, and also covers legal fees if a customer files a lawsuit. Some policies, such as commercial auto insurance, may be required by law.
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What types of insurance do mobile pet groomers need?
These business insurance policies cover common risks faced by groomers.
General liability insurance
A general liability policy covers basic risks of mobile pet grooming, such as a dog who bites a pet owner. Bundle it with commercial property insurance for savings in a business owner’s policy.
BEST FOR
- Accidental pet injuries
- Accidental customer injuries
- Libel and other advertising injuries
Business owner's policy
A BOP bundles commercial property insurance and general liability coverage at a discount. It covers business property damage and customer lawsuits related to accidents.
BEST FOR
- Accidental bodily injuries
- Accidental property damage
- Stolen or damaged business property
Commercial auto insurance
Commercial auto insurance covers the cost of an auto accident involving your mobile pet grooming van or truck. Each state has its own auto liability insurance requirements.
BEST FOR
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle theft and vandalism
Errors and omissions insurance
E&O insurance covers legal costs related to work performance, such as a customer who is dissatisfied with their poodle's haircut. It's sometimes referred to as professional liability insurance.
BEST FOR
- Accusations of negligence
- Grooming mistakes and oversights
- Failure to deliver promised services
Workers’ compensation insurance
Most states require workers' comp for mobile grooming businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal costs from employee injuries
Cyber insurance
This policy helps mobile dog 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
Looking for different coverage? See more policies.
How much does pet grooming insurance cost?
A small mobile pet grooming business will pay less for insurance than a larger facility.
Factors that affect premiums include:
- Pet care services offered, such as nail trimming, kennels, or day care
- Business property, such as clippers and other grooming equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
How do I get mobile dog groomer insurance?
It's easy to get mobile dog grooming insurance and 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. Small business owners 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 mobile grooming service, whether you work independently or hire employees.
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Common questions about mobile dog and pet grooming insurance
Do I need mobile pet grooming insurance?
Like any other small business, mobile pet grooming businesses need insurance to protect their assets and livelihood from expensive lawsuits and other unplanned events.
Business insurance gives you financial security from costs related to dog fights, a leg injury to an animal after jumping off a table, losing a client's key, skin disorders due to products used, and other losses, including liability claims and other risks that can't be predicted.
Some policies are even a state requirement depending on where you operate your business. You might also need insurance to sign a lease or secure a client contract.
What's included in a mobile pet groomer insurance policy?
A mobile pet grooming business can often purchase several types of insurance in a cost-effective package called a business owner's policy. Mobile pet grooming BOPs tend to bundle general liability, commercial property, and business interruption coverage.
Outside of a BOP, mobile pet grooming business insurance often includes:
Do I need special equipment and van insurance for my mobile grooming business?
Van and equipment protection is extremely important for your mobile grooming business. You can’t be a mobile groomer without your transportation and tools.
Commercial auto insurance offers financial coverage for any injuries or property damage caused by your grooming van. As a mobile grooming service, you're constantly on the road for work, so this is an essential policy.
Additionally, a standard commercial property insurance policy will cover your business equipment at a single stationary location. But what about when you're driving from client to client? Inland marine insurance offers peace of mind no matter where your next job is located, extending coverage to your grooming tools and equipment while in transit.
What is inland marine coverage for mobile pet businesses?
Inland marine insurance is designed to protect your specialized property and mobile items, such as equipment and inventory, while traveling from client to client, or working at a job site away from your main business location.
For mobile pet businesses, this policy extends protection to all of your important grooming tools, like your clippers, shears, shampoo, kennels, and other contents of your grooming trailer or van.
What other policies should I consider for my mobile grooming business?
Below are some additional policies to consider for your small mobile grooming business.
Bailee insurance: Provides additional protection for situations where a customer's property is in your care and control. Animal bailee coverage is designed to cover damages or losses that result from the unique risks of pet grooming and pet sitting, such as an injury resulting from two dogs fighting.
Fidelity bond: Covers the cost of damages or losses a client incurs as a result of a mobile groomer's dishonest actions, such as theft. While they aren't always required for dog groomers, bonds can provide an additional layer of protection and peace of mind for clients.
Product liability insurance: This coverage can help pay for legal defense fees or the cost of a settlement, if a product you use or recommend to your clients causes an adverse reaction for a dog or other pet you're grooming.