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Pets can get injured during a grooming session. They can sustain cuts or even die due to heat exhaustion. How can you mitigate financial implications arising from lawsuits due to such unexpected events? That’s why pet grooming insurance is crucial.
The coverage also covers any third-party injuries or property damages caused by a pet. Generally, dog grooming insurance is a crucial tool in your risk management arsenal, ensuring your business continues to thrive in the event of a loss.
Yes. Purchasing pet grooming business insurance demonstrates your commitment to providing professional and responsible pet care services. It guarantees your customers that they are fully covered in case anything happens to their pet during a regular grooming appointment.
The following is a list of operators that require grooming insurance:
Liability insurance is the most common and important type of protection for dog grooming salons.
Liability coverage protects your business from financial losses and legal responsibilities that you might face due to claims for bodily injuries, property damage, and negligence.
General liability insurance is a must-have policy for your business. Whether you provide dog grooming services at home, in a salon, or in a mobile vehicle. A dog may suffer an injury during a grooming session due to sudden movements or excessive use of force. On the flip side, a pet owner may sustain an injury while in your grooming facility.
In such circumstances, this dog grooming liability insurance will cover the amount required to compensate for the injury sustained by the client’s pet.
It’ll also cover the medical costs for the client’s treatments, legal defense fees, and any compensatory amount if the client takes legal action against your business.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | Pet Care | |
| Per occurrence limit | $1,000,000 | $500,000/$1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $2,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $100,000 |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Yes |
This type of dog grooming business insurance protects you in case a client sustains financial losses due to their dog’s escape, death, or injury as caused by issues you caused or your failure to perform.
While the risks covered under general liability are accidental, professional liability covers injuries and losses due to negligence, recklessness, misconduct, or errors. That’s why this coverage is also known as errors & omissions (E&O) insurance.
A $1 million professional liability insurance is enough to cover your dog grooming business against claims for negligence, recklessness, misconduct, and errors.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | |
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Yes |
| License defense coverage included? | No | No | No | No |
| Deductible | $500 | $500 | $500 | $500 |
Commercial property insurance covers the repair and rebuilding costs of your business property if it’s damaged or destroyed due to natural disasters, vandalism, arson, and theft
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
| Building coverage limit (minimum) | $50,000 | $25,000 | $25,000/$500,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 | $25,000/$500,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded |
Get all the best quotes from leading providers in a click of a button!
You might be recommended to bundle the general liability policy and commercial property policy of your dog grooming salon insurance package into a business owner’s policy.
A business owner’s policy can be used to cover liability claims and commercial property damage or loss. It works faster than stand-alone general liability or commercial property insurance.
| CoverWallet | NEXT (Best) | Hiscox | Thimble | |
| General liability aggregate limit | $2,000,000 | $500,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $25,000 | $25,000 | $25,000/$500,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes |
Tools and equipment insurance protect you against the resulting financial losses. if shears, dryers, blowers, and other grooming equipment needs to be repaired or replaced because of fire, theft, vandalism, mechanical breakdown, electrical surge, electrical shorts, and other covered perils.
Workers’ compensation insurance grants the money you can use to cover the emergency medical care, hospitalization, medication, rehabilitation, lost wages, and death benefits of an employee who sustained a work-related injury or disease.
Even though you don’t have employees, consider purchasing workers’ compensation insurance. This insurance will also cover costs if it’s you who got injured or sick because of work.
Mobile dog grooming insurance is a tailored insurance program that consists of the following policies:
You can buy pet grooming liability insurance by the month, week, day, or hour. This is what’s referred to as a temporary or short-term coverage. This has a $1 million-$2 million per occurrence and aggregate limit.
The average dog & pet grooming insurance cost is $32 per month or $384 per year for a $1 million general liability policy. Factors that we took into account for this dog grooming insurance cost estimate are as follows:
| Cost per Month | Cost per Year | Deductible | |
| General liability insurance | $32 | $384 | $0-$500 |
| Professional liability insurance | $45 | $540 | $500-$1,000 |
| Commercial property insurance | $40 | $480 | $1,000-$2,000 |
| Business owner’s policy | $70 | $840 | $1,500 |
| Employee dishonesty insurance | $75 | $900 | $1,000 |
| Commercial auto insurance | $60 | $720 | $500-$1,000 |
| Workers compensation insurance | $115 | $1,380 | $2,500 |
| Cyber liability insurance | $80 | $960 | $1,000 |
Get all the best quotes from leading providers in a click of a button!
NEXT
NEXT’s pet grooming insurance package offers a general liability policy, workers compensation, and tools and equipment insurance.
Next grants mobile pet grooming insurance coverage if you’re an independent pet groomer renting a booth, a mobile pet groomer, or a pet grooming salon. In addition, NEXT allows for a customized pet grooming insurance application.
Average cost: $20 per month
CoverWallet’s dog groomer’s insurance is underwritten as part of its pet services insurance package. Therefore, what you’ll get is a generic coverage that covers all of the exposures common to all pet businesses.
Average cost: $23.40 per month
Tivly®’s pet grooming insurance offers a business owner’s policy, general liability insurance, professional liability insurance, and animal bailee insurance. Optional policies are also available, such as cyber liability.
Average cost: $26 per month
Thimble’s pet grooming insurance package offers various policies example;a general liability policy. This company’s business owner’s policy also comes with optional policies, particularly cyber liability and hired/non-owned auto liability coverage.
Average cost: $27.06 per month
Hiscox offers general liability insurance and business owner’s policy to pet grooming businesses. This company offers these policies through its pet grooming salon/independent groomer insurance package and mobile grooming insurance package. Hiscox allows you to quickly customize limits and include upgrades in your coverage.
Average cost: $29 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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