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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 |
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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 |
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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
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