Pet groomer insurance is a combination of insurance policies designed to protect brick and mortar or mobile pet groomers from third-party liability claims, business property losses, and potential injury, death, or loss of animals under their care. Pet groomer insurance policies including general liability, business property and workers’ compensation start around $4,000 annually.
Understanding the coverage you get for your premium is imperative and finding ways to save helps every business owner. Online broker’s such as CoverWallet gather the right information to help pet grooming business owners understand essential coverages while placing policies for the best possible price.
Pet Groomer Insurance Providers
Large small business insurance carriers offer a variety of options and inclusions for pet grooming insurance, making it easier for a small business owner to get what he needs in one simplified policy. Some carriers are better suited for the mobile groomer while others have better pricing and coverage for retail locations.
Top Pet Groomer Insurance Providers
|CoverWallet||Dog day care facilities that also offer grooming services, complicating coverage needs.|
|AP Intego||Retail locations with multiple grooming stations and employees needing workers’ compensation.|
|Insurance321||Businesses with multiple retail or mobile locations requiring combined coverage.|
|The Hartford||Mobile pet groomers needing commercial auto for converted trucks and vans.|
|Pet Care Insurance||Sole proprietors with no employees requiring a quick package insurance program.|
Consider these five small business insurance providers for pet groomers insurance:
CoverWallet brokers insurance services through a proprietary online application process that helps business owners determine the right coverage needs without a lot of insurance jargon. This expedites the process for business owners to get various business insurance policies through a quick online portal.
CoverWallet is the best choice for any facility that offers many pet services that could fall under different risk categories, such as dog day care and grooming or pet sitting and mobile grooming. CoverWallet’s software discovers the areas of exposure, placing the risk with the company that will best cover all aspects of the grooming business without gaps in coverage.
AP Intego is a business insurance broker best known for revolutionizing pay-as-you go workers’ compensation insurance. This is the cornerstone of innovation that AP Intego uses for other innovations that help businesses get excellent insurance that fits the cash flow and budget needs every business owner is concerned with.
AP Intego is a good choice for a grooming business with many employees. The high-turnover rate in the industry often means that workers’ compensation fluctuate. AP Intego’s pay-as-you-go workers’ compensation compliments the business owner’s policy for grooming companies while controlling cash flow and coverage.
Insurance321 is an online insurance broker specializing in shopping for commercial insurance policies for clients. Their online portal takes your business information in a five minute application and then assigns an industry expert to your business to confirm details and find the right policy for the best price.
Insurance321 is a good choice for pet groomers expanding their services to multiple locations or with mobile locations. By assigning an account representative to the quote hunt and talking directly to the pet grooming business owner, Insurance321 can find the right carrier that is capable of insuring multiple retail spaces and high levels of business property for less.
The Hartford is a national insurance carrier that specializes in small business insurance. Even though The Hartford has both personal and commercial lines of insurance, it has dedicated specialists that understand unique industries and tailored risk. The result for small business owners is an insurance carrier that understands their business as well as the owner.
The Hartford is the right choice for a mobile pet groomer. Hartford’s experience with personal lines of auto insurance and small business insurance helps it properly assess the total value and potential loss to business owners. The Hartford’s business owner’s policy works with the commercial auto insurance to prevent gaps when it comes to business interruption insurance due to equipment breakdowns.
Pet Care Insurance is the insurance brand name for the specialty insurance provider, Veracity Insurance Services. Pet Care Insurance works with pet care providers such as groomers, pet sitters, and dog walkers to provide affordable protection plans that cover essential risks such as general liability and animal bailee.
Pet Care Insurance is the right choice for a sole proprietor with no employees seeking an affordable solution for coverage. Online package options make it quick and easy for individuals to get coverage within minutes but don’t allow applicants to customize the policy online.
What Pet Groomer Insurance Is
Complete dog groomer insurance coverage includes general liability insurance, professional liability insurance, animal bailee, and business property coverage. If the groomer has any employees, workers’ compensation insurance is also required. Small business owners with employees should also consider employee dishonesty coverage for added protection.
Pet grooming businesses can be in a brick-and-mortar location, mobile stations, or a combination of both. Dog groomers need to cover to protect themselves against claims such as dog bites to people or employees, potential harm to animals while in the groomer’s care, or loss of business property leading to potential business interruption.
What Pet Groomer Insurance Covers
Dog groomer insurance covers a variety of potential risks. Common risks for a dog groomer include animal injury, third-party injuries or property claims, theft, or vandalism. Different policies or policy options address different types of risks.
Types of Pet Groomer Insurance Coverage
Every pet groomer should have a general liability policy that includes personal injury, animal bailee and veterinarian expense reimbursement. Business property coverage and workers’ compensation insurance varies from business to business.
The most common dog groomer coverage policies and options are:
- General Liability: Protects against third party claims such as a dog biting a customer or disinfectant chemicals accidentally spilling and ruining a designer bag of a client.
- Personal Injury and Advertising: Pays for legal costs and settlements where your business is accused of copyright infringement or defaming a person or business.
- Products Completed Operations: Covers costs associated with claims arising out of the final grooming process such as an AKC dog not being able to recapture his championship because his grooming was incorrect.
- Business Property: Repairs or replaces business property such as grooming tables, kennels, and dryers damaged or lost from fire, theft, or vandalism.
- Animal Bailee: Offers rewards for dogs lost or helps cover costs for medical attention needed for animals injured or killed while in your care.
- Veterinarian Expense Reimbursement: Reimburses expenses paid to a veterinarian or emergency animal clinic for animals injured while in your care regardless of fault. For example, if a dog isn’t secured properly and falls off the grooming table, breaking a leg.
- Workers’ Compensation: Provides employees compensation for lost wages and medical expenses if injured in the course of performing job duties.
What Dog Groomer Insurance Doesn’t Cover
Getting the right coverage protects pet groomers from most business risks but there are some things that pet groomer insurance doesn’t cover. A small business owner willingly breaking the law or committing fraud is not covered by insurance. Additionally, unless the small business elects for employee dishonesty coverage in liability, it won’t be covered for internal theft, skimming, or money laundering committed by employees.
Pet Groomer Insurance Costs
Pet groomer insurance costs are based on the types of policies selected with the total amount of coverage requested. A dog groomer can expect to pay $1,200 per year for comprehensive coverage not including commercial auto or workers’ compensation which can add another $1,500 annually.
Typical Dog Groomer Insurance Costs & Deductible
|Policy Type||Coverage Option||Coverage Limit||Deductible||Typical Premium|
|Business Owners Policy||Liability||$1 million||$0||$1,200|
|Personal /Advertising Injury||$1 million|
|Products Completed Operations||$1 million|
|Veterinarian Expense Reimbursement||$1,000||$250|
|Workers’ Compensation||$40,000 payroll||$1 million||$0||$1,500|
Pet groomer insurance costs are contingent on the type of policies purchased, the amount of coverage elected, and any additional coverage riders within any specific policy.
For example, a pet groomer who leases space will need to get general liability for a minimum of $1 million to satisfy requirements for most commercial leases. This is a higher requirement than someone operating the business out of their guest house that might elect minimum general liability coverage of $100,000.
Getting business property insurance for a grooming studio with 10 grooming stations will cost more than one with three. A dog groomer with five employees will have higher workers’ compensation costs than a sole proprietor or a grooming studio with one non-owner employee.
Additional Types of Pet & Dog Groomer Insurance
Every small business owner needs to consider the best ways to maximize insurance coverage while keeping within budget constraints. Many insurance carriers offer a Business Owner’s Policy (BOP) to provide comprehensive protection for less money.
Business Owner’s Policy (BOP)
A BOP combines a general liability policy with both business personal property and business interruption coverage. By going through underwriting process once and maintaining one policy for administration, insurance carriers are able to offer combined coverage for less than what it would normally cost to get the same coverage through multiple policies.
Commercial Vehicle Insurance
Commercial vehicle insurance covers your business from third-party claims if you hit another vehicle or party while driving from location to location. It also pays for damages and repairs to the vehicle and any attached modifications that happen in an at-fault accident or resulting from theft or vandalism. Commercial vehicle insurance is a must if you have a mobile pet grooming business.
Tips on Getting Pet Groomer Insurance
Here are three tips to keep in mind when buying dog groomer insurance:
Prepare Your Paperwork Before Getting A Quote
Gather all the documents on your business incorporation, lease agreements, and revenues. If you have employees, compile your payroll records so you can get through the quote quickly with accurate information to avoid the frustration of making adjustments later. Most liability policies are based on revenues and business property values while workers’ compensation is based on payroll data.
Shop Rates Among Top Carriers
Even great insurance carriers will have different pricing for the same type of policy. This is because of the insurance carrier’s experience with that type of business and its desire to insure is reflected in lower premiums. Using an insurance broker such as AP Intego helps you get apples-to-apples quote comparisons by completing one easy form to find cheap business insurance.
Establish Safety Protocols in Your Business
Insurance premiums are based on business risk, and dog grooming has innate risk of injuries to people or animals. Many insurance companies offer better rating systems for small businesses that have written safety programs that are implemented through documented training with employees. Fewer claims keep insurance costs down and safety programs prevent excess claims.
Pet Groomer Insurance Frequently Asked Questions (FAQs)
There are many aspects to buying pet groomer insurance to properly protect your business.
Is dog groomer insurance required?
Unless required by state licensing boards, landlords, or clients, there is no mandatory requirement for insurance other than workers’ compensation for employees exists. However, the financial risks of even one dog bite can bankrupt a business without insurance. Dog groomer insurance is a cost-effective way to protect the hard work you’ve built your business on.
What happens if a dog escapes in my care?
General liability won’t cover you if you lose a dog or it gets accidentally injured while in your care unless you elect animal bailee coverage. This coverage pays the expenses to recover a lost animal and pay for veterinarian care from incidents in your care. Many policies designed for dog groomers offer this coverage election.
Do I need insurance if I am a part-time groomer?
Even a sole proprietor who grooms just a few dogs on the weekend has risks of claims. The cost of general liability is based on revenues, thus most part-time sole proprietors won’t pay the same rate as a dog grooming studio with 10 grooming stations and 50 dogs coming through daily.
Pet groomer insurance is an important business component covering accidents and losses that can happen when working with animals. Dog bites, accidental slips leading to injuries, and vandalism or theft are risks every dog groomer faces. Pet groomer insurance covers these risks and protects the business from financial hardship if a loss happens.
Knowing how to compare policies equally is confusing for any business owners. Luckily, CoverWallet understands the pet grooming industry as well as you do and is there to make sure you understand where your risks are and what policy coverage protects you. Take five minutes to answer a few questions about your business to get a quote today.