Pet Grooming Insurance

Pet Groomer Insurance

Protect your pet grooming business from liability risks with a comprehensive insurance policy.

Zensurance - Pet Groomers Coverage

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Dog Grooming Business Owner

Insurance for pet grooming services

Owning a pet such as a dog or cat is a big responsibility. And pet owners pamper their animals in many ways, including taking them to a professional pet grooming business or calling on mobile pet grooming services to maintain the health of their animals’ skin and coat. 

Pet grooming services are vital for the health of any animal. It helps prevent hair matting and tangles, reduces shedding, prevents ear infections in animals with long ears, and keeps your pet’s teeth, nails, and other body parts clean and healthy. Offering services ranging from shampooing, colouring an animal’s coat, cleaning their teeth and gums, clipping nails and trimming fur, and cleaning a dog’s or cat’s eyes and ears are necessary but also pose risks for pet groomers.

Professional pet groomers typically work with domesticated dogs and cats but may also provide services to care for larger animals like horses. All animals can be unpredictable in your care and may occasionally bite, scratch, or kick, inflicting injury on you or others. That’s one reason why pet grooming business insurance is essential.

Pet grooming businesses also have expensive equipment and supplies necessary for their operations. These assets can be damaged or stolen, resulting in financial loss. Business insurance can provide property coverage to protect against losses related to damage, theft, or other types of loss.

Pet grooming insurance is a type of commercial insurance designed to protect pet grooming businesses from financial losses due to unexpected events or accidents.

It typically covers the cost of damage or loss to your business, such as a fire that damages your clinic, third-party bodily injury or property damage if one of your customers is hurt visiting your clinic by tripping and falling, or legal liabilities you face if an animal in your care is injured.

A pet grooming insurance policy may include the following coverages:

  • Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, provides coverage for third-party claims of bodily injury or property damage that arise from your business operations. It is an essential type of insurance for most businesses, including dog groomers and pet grooming businesses. For example, if a pet in your care bites someone and requires medical treatment, general liability insurance can cover the costs of any resulting legal claims or damages.
  • Commercial Property Insurance: Commercial property insurance covers your business’s physical property, such as buildings, equipment, inventory, and supplies. It covers damage caused by fire, theft, vandalism, or natural disasters. For example, if a fire damages your grooming facility, commercial property insurance can cover repairing or replacing the damaged property.
  • Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, professional liability insurance covers professionals who provide advice or services to clients. For instance, if you recommend a type of shampoo for a pet and it causes the animal to have an allergic reaction, professional liability insurance can cover your legal expenses if the pet owner sues you.
  • Cyber Liability Insurance: Cyber liability insurance covers the cost of dealing with the aftermath of a cyber-attack or data breach that compromises your data and your customers’ confidential information. It pays for damage and loss related to restoring your software systems, legal advice, notification fees, and credit monitoring services for affected customers.

Your chosen insurance provider determines the cost of a grooming business insurance policy. Among the factors insurance companies consider when pricing your policy includes:

  • Your location
  • The types of animals you care for and the services you provide
  • Your years of experience, certifications, and training
  • How many employees you have (if applicable)
  • The equipment you own and their value
  • Your annual and projected revenue
  • Your insurance claim history

Getting insured is quick and easy!

Complete our 5-minute online application for a free dog groomer insurance quote.

Common claims scenarios

dog grooming accident

Problem: While cutting a dog’s nails, you accidentally cut them too short on one of its paws, hurting the animal.

Outcome: Your commercial general liability insurance may cover the dog’s medical expenses and provide you with funds to defend yourself in court if the owner sues you.

Burglar with a crowbar on the background of the shop.

Problem: Your pet grooming clinic was broken into overnight, vandalized, and some office equipment stolen.

Outcome: Your commercial property insurance may pay for your clinic’s damages and replace the stolen office equipment.

email virus link

Problem: You suffer a cyber-attack and all of your customers’ confidential information is stolen.

Outcome: Your cyber liability insurance may cover the cost to repair the damages to your software systems, notification fees, and credit monitoring services for your customers.

Frequently asked questions

Does pet grooming insurance include coverage for mobile grooming businesses?

Yes. A customized pet grooming insurance policy from Zensurance can include coverage for mobile animal grooming services. Mobile pet grooming professionals typically operate out of a vehicle or trailer and travel to customers’ homes or other locations to provide services. Because of this unique business model, mobile grooming businesses may have different insurance needs than traditional brick-and-mortar animal grooming businesses.

Can I add additional insureds to my pet grooming insurance policy?

Yes. You can add additional insureds, such as employees, clients, landlords, or vendors, to your pet grooming business insurance policy. There is no cost for including additional insureds under your policy to protect them from claims arising from your business operations.

What is not covered by pet grooming insurance?

Pet grooming business insurance may not cover certain losses, such as intentional acts, criminal activities, or losses outside the policy period or coverage territory. It’s important to have a Zensurance broker review your policy and explain its exclusions and limitations.

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Ready to start? Let’s get a quote!

Protect your finances and reputation from going to the dogs with a customized pet grooming insurance policy from Zensurance. 

Fill out an online application for a free quote. We’ll shop our partner network of over 50 insurance providers to find the low-cost policy you need. Our friendly, experienced brokers are risk management experts who can advise on the coverage your business requires and tailor the policy to reflect your services so that you can keep calm and purr on.