Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Dog groomer business insurance is a “must-have” for anyone in the dog grooming business. Insurance is necessary for any type of business, but becomes mandatory when combining animals and humans. To not have some type of dog groomer business insurance is to take a risk with not only your business, but also your personal assets.

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Sometimes called “pet liability insurance,” dog groomer business insurance is designed to protect you from financial claims made by your customers and clients.

Why Do I Need Dog Groomer Business Insurance?

There are different scenarios where insurance is needed, including:

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What Types of Dog Groomer Business Insurance Do I Need?

A small business owner, especially one in the dog groomer business, needs different types of coverage. Types of coverage someone buying dog groomer business insurance may purchase include:

1. Property InsuranceProperty insurance covers the personal property of other people. This is the type of coverage that would protect you if an animal in your care becomes hurt, injured or dies.

2. General Liability InsuranceGeneral liability insurance covers you if a customer slips and falls in your dog grooming business or if a customer is bitten by a dog.

3. Products Liability Insurance – Products liability insurance is only needed if your dog grooming business sells or carries pet food or other animal care products. In the event of a problem with the food or products, you would be protected.

4. Equipment Breakdown Coverage – Equipment breakdown coverage works with property coverage in the event you experience a breakdown of any of your dog grooming equipment.

5. Business Auto Coverage – Many dog groomer businesses have a mobile grooming van or they make house calls and visits. Business auto coverage protects your automobile while you are doing business-related traveling.

6. Worker’s Compensation Coverage – Worker’s compensation coverage is mandatory in most states when you have employees. Commonly called “Worker’s Comp,” this type of insurance protects you if your employee is bitten or suffers an injury while at work.

7. Non-owned Liability Insurance Coverage for Automobiles – If your employees drive your vehicle for any dog groomer business-related reason, this type of insurance works with your business auto coverage to protect you in the event of an automobile accident.

8. Crime InsuranceCrime insurance works with property coverage to cover your dog groomer business and replace items that may be stolen or damaged in the event of a crime.

9. Business Property Coverage – If you are forced to close your business due to a fire, flooding, tornado, or lightning or wind damage, business property coverage will protect not only your building but also:

  • any furniture inside the building
  • all equipment, including office and computer equipment
  • leased equipment
  • outbuildings, signs and fences outside the building, but still on the property.

10. Business Umbrella Policies – Business umbrella policies extend your other policies. They kick in once your other policies have hit their limits. For instance, if a dog was injured and your liability insurance only paid up to a certain amount, but the vet bills run higher, an umbrella policy will pay the difference.

In addition to these ten major types of coverage, there are several other types of coverage you may want to purchase as well for your dog groomer business.

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Other Types of Dog Groomer Business Insurance

dog groomer business insurance

1. Valuable Papers and Records Coverage – This is a rider policy that attaches to business property insurance. It protects in the event valuable records and receipts are lost, damaged or stolen.

2. Professional Liability Insurance – This is another type of rider policy that works with general liability insurance. If an employee accidentally shaved the wrong dog, this type of rider policy would cover you and your dog groomer business.

3. Employment Related Practices Liability Coverage – Anyone with employees should consider this type of coverage. Employee related liability coverage protects you, the business owner, in cases where employees bring suit for harassment, unlawful termination or discrimination.

Additional Dog Groomer Business Insurance

It is important to remember, most business coverage insurance, even dog groomer business insurance, is written together as one major policy. However, there are certain types of insurance that have to be written as separate policies. These include:

  • Worker’s Compensation Insurance
  • Health Insurance
  • Life Insurance
  • Disability Insurance

While state laws require business owners with employees to carry worker’s compensation insurance, they do not require health, life or disability insurance. These are benefits to employees.

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Is There Anything My Dog Groomer Business Insurance Will Not Cover?

While insurance covers most scenarios in the business world, there are a few things no insurance will cover. These are:

  • Normal wear and tear on equipment and buildings
  • Computer hardware or software failure
  • Missing property where there is no way to prove it was stolen or no way to account for it missing
  • Nuclear explosions
  • Acts of war

Are There Any Ways to Limit My Liability?

In some cases, when dealing with dogs, restricting your practice to certain breeds can limit your liability insurance. Some breeds can raise liability rates, such as:

  • German Shepards
  • Pit Bulls
  • Dobermans
  • Rottweilers
  • Chows

Other ways you can limit your liability insurance include properly training employees on ways to operate equipment, implementing certain safety standards, keeping your equipment properly serviced and maintained, cleaning spills and accidents quickly, and paying attention to important safety and product recalls.

How Should I Choose My Dog Groomer Business Insurance?

Choosing the types of insurance you should carry on your dog groomer business is critical. For this reason, it is advised you check around and compare prices and policies. Online price comparisons can give you a good idea of what types of coverage you need, as well as the amount of coverage needed. Make an inventory of your business assets and needs, and then compare from one company to the other, eliminating those types of insurance you do not need. Understand the basics of liability insurance, and build your policy from there.

Find the right type of business insurance by entering your zip code below to begin comparing rates!