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  1. Your Definitive Guide to Dog Grooming Insurance for 2023

Your Definitive Guide to Dog Grooming Insurance for 2023

Your Definitive Guide to Dog Grooming Insurance for 2023

Easy Busy Pets
January 11, 2023
Easy Busy Pets does not sell any insurance products as it is not an insurance agent. The aim of this article is to provide dog grooming businesses with useful information and guidance about Dog Grooming Insurance and to steer them towards trustworthy sources for additional information. It is important to note that Easy Busy Pets does not receive any compensation or benefits for recommending any specific Pet Insurance company or product. We do not promote or endorse any particular Pet Insurance company or product. Our priority is to provide unbiased information and advice to help you make informed decisions about your pet care business.
As a dog groomer running a dog grooming salon or a mobile dog grooming business, you play a crucial role in keeping our furry friends clean and healthy. However, your job also comes with risks, such as injuries to pets or their owners, damage to equipment or property, and more. That's why it's essential to have the right insurance coverage to protect your business from financial loss in case of unexpected events.

In this guide, we'll provide you with everything you need to know about dog grooming insurance for 2023, including coverage options, costs, and how to choose the right policy for your needs.


Note: Dog grooming insurance is not the same as pet sitting insurance. Pet sitting insurance typically covers liability for incidents that occur in the pet owner's home or while in the care of the pet sitter, while dog grooming salon or mobile dog grooming insurances typically cover liability for incidents that occur during the grooming process or while on the premises of the grooming business.

What is Dog Grooming Insurance?

Dog grooming insurance is a type of business insurance that provides coverage for dog grooming businesses. It typically includes liability coverage for accidents or injuries that may occur to pets or their owners while on the premises of the grooming business. It may also provide coverage for damage to equipment or property.
Dog Grooming Insurance from Easy Busy Pets

Why Do You Need Dog Grooming Insurance?

As a dog groomer, you work with animals that may be unpredictable or nervous, which can lead to accidents or injuries. For example, a dog may bite or scratch you, causing injury, or a pet owner may slip and fall on a wet floor, leading to a liability claim against your business.

In addition, damage to equipment or property can be expensive to repair or replace, and without insurance, you may be responsible for the costs out of pocket. That's why having the right insurance coverage is essential to protect your business from financial loss in case of unexpected events.


At Easy Busy Pets, we strongly advise dog groomers to obtain adequate dog grooming insurance as a crucial risk mitigation measure. Insurance coverage can offer financial protection in the event of an accident and provide peace of mind to you, your staff, and your clients.

 

Coverage Options for Dog Grooming Insurance

There are various types of dog grooming insurance policies available, each with its own coverage options and limits.


Dog grooming insurance typically includes liability coverage, but there may be additional coverage options available, such as:


  • Property damage coverage: This covers damage to equipment or property caused by accidents or other unexpected events.
  • Business interruption coverage: This provides coverage for lost income or expenses incurred due to a covered event that interrupts your business operations.
  • Animal Bailee coverage: That provides protection for pets while they are in the care, custody, or control of a dog grooming business. This coverage is also known as "care, custody, and control" coverage or "animal care" coverage.
  • General liability coverage: This coverage can also help protect a grooming business in case a pet is injured while in the business's care. If the pet's owner files a lawsuit claiming that the business was negligent and caused the pet's injury, general liability coverage can help cover the costs of legal fees and settlements.
  • Medical payments coverage: This coverage can help cover the costs of veterinary care if a pet is injured while in the care of a grooming business, regardless of who was at fault for the injury. Medical payments coverage can help pay for emergency vet visits, x-rays, surgery, and other necessary treatments.
  • Workers' compensation coverage: This covers injuries or illnesses sustained by employees while on the job.
  • Burglary Coverage: Burglary coverage typically provides coverage for losses related to theft, burglary, or robbery. This may include losses related to stolen equipment, cash, or other property.
  • Cyber liability coverage: This provides coverage for cyber attacks or data breaches that may affect your business


Not all policies will automatically include all this coverage, and there is an element of overlap in some of these coverages, so it's important to check with your insurance provider and make sure the coverages you need are included. If you regularly take care of pets as part of your grooming services, such as providing boarding or day care, animal bailee coverage may be essential to protect your business from financial loss in case of accidents, injuries, or other unexpected events that may happen while the pets are in your care.


Finally, general liability coverage is a standard coverage option that is typically included in dog grooming insurance policies. It provides protection against claims of bodily injury, property damage, and advertising injury.


Property Damage Coverage

Property damage coverage is especially important for dog grooming salon or mobile dog grooming businesses. It can protect your business from financial loss if you, one of your employees or a client accidentally damages property while providing grooming services.


Here are some specific examples of how property damage coverage may apply to dog grooming businesses:

  • Mobile grooming van: If you operate a mobile grooming service, property damage coverage can protect you if you or one of your employees accidentally damages someone's property while traveling to or from a grooming appointment. For example, if you accidentally hit a parked car while driving to a client's home, property damage coverage can help cover the cost of repairs.
  • Grooming salon equipment: Property damage coverage can also protect your business's equipment if it is damaged while you are providing grooming services. For example, if a grooming table or a set of clippers is accidentally dropped and damaged during a grooming session, property damage coverage can help cover the cost of repairs or replacement.


Without property damage coverage, you would be responsible for paying any costs associated with an accident or incident out of pocket, which can be financially devastating for a small business.


The coverage limits for property damage in a dog grooming insurance policy can vary depending on the specific policy and the insurance provider. However, here are some example coverage limits for property damage that you may see in a typical dog grooming insurance policy:

General liability coverage: $1 million per occurrence and $2 million aggregate (this includes both bodily injury and property damage coverage)

Property damage coverage: $10,000 to $25,000 per occurrence (this can vary depending on the value of the property being covered and the specific policy) 

Pet Sitting and Dog Walking Insurance from Easy Busy Pets


Note that the above are just examples based on our research, and actual coverage limits can vary widely based on your specific policy and insurance provider.

 

Bailee Coverage

Adding bailee coverage to your dog grooming insurance policy can give you and your clients added peace of mind, knowing that their pets are covered for a wider range of risks, say for example if two dogs get into a fight, and there's an injury.


It is not redundant coverage, but rather provides additional protection for situations where the pet is in your care and control. While general liability and care, custody and control coverage can provide some protection for accidents and injuries that occur while the pet is in your care, bailee coverage is specific to the pets themselves and is designed to cover damages or loss that result from specific risks such as theft, fire, or natural disasters.


Bonding Coverage

We see "insured and bonded" headings on many a dog grooming website.


Also known as a "surety bond", some dog groomers may choose to obtain a surety bond as part of their insurance coverage. A surety bond is a contractual agreement between the dog groomer, the bonding company, and the client that guarantees the dog groomer will fulfill their obligations to the client.


In the context of dog grooming, a surety bond may provide protection for the client in case the dog groomer fails to properly care for their pet or if they engage in any fraudulent or unethical behavior. The surety bond can cover the cost of damages or losses that the client incurs as a result of the dog groomer's actions. While surety bonds are not always required for dog groomers, they can provide an additional layer of protection and may help to build trust and credibility with clients. If you are a dog groomer and are considering obtaining a surety bond, it's important to do your research and work with a reputable bonding company to ensure that you are getting the coverage you need at a reasonable cost.


Bonding provides coverage for theft or loss of client's property while it's under your care. It's important to note that bonding coverage is not the same as insurance, as it only covers intentional acts of theft or dishonesty.

For example, if you're a mobile dog groomer and you are accused of stealing money or jewelry from a client's home, and you have bonding coverage, it can help cover the costs of legal defense and any settlements or judgments. This coverage can provide peace of mind to pet owners who may be concerned about leaving their valuables in a home which you need access to when picking up their pet for a quick bath.


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Cost of Dog Grooming Insurance

The cost of dog grooming insurance depends on several factors, such as the size of your business, the coverage options you choose, and your location. On average, dog grooming insurance can cost between $300 and $1,500 per year.

Providers of Insurance for Dog Groomers

When choosing a dog grooming insurance policy, it's essential to consider your business's unique needs and risks. Here are some tips to help you choose the right policy:

  • Research different insurance providers to compare coverage options and costs.
  • Consider the type and size of your business, as well as your location and the types of services you offer.
  • Evaluate your business's risks and choose coverage options that address those risks.
  • Review the policy details carefully to ensure that you understand the coverage limits and exclusions.


There are several dog grooming insurance companies in Canada and the United States that offer coverage for dog grooming business owners. Each of these companies may have their own unique offerings and coverage options, so it's important to do your research to find the one that's right for your business. Also, please note this is not an exhaustive list:


Canada
  • Kennel Pro
  • Pet Care Insurance
  • Veracity Insurance Solutions

United States
  • Petplan Professional
  • Business Insurers of the Carolinas
  • ProFur Insurance
  • The Hartford
  • CNA
  • Pet Sitters Associates
  • Pet Business Insurance


Insurance Claims: Will you be ready?

In the event of an insurance claim for a dog grooming business, it's important to take note of and track the following items:

  • Date and time of the incident: Write down the date and time of the incident as soon as possible.
  • Location of the incident: Include the exact location where the incident occurred, such as the client's home or a public park.
  • Description of the incident: Provide a detailed description of the incident, including any injuries or damages that occurred.
  • Names and contact information of those involved: Gather the names and contact information of any people or pets involved in the incident.
  • Witness information: If there were any witnesses to the incident, get their names and contact information as well.
  • Photos or videos: If possible, take photos or videos of any injuries or damages that occurred as a result of the incident.
  • Any other relevant information: Keep track of any other relevant information related to the incident, such as veterinary records or police reports.


To make this process simple and trustworthy, consider using a dog grooming software like Easy Busy Pets, to document these details electronically quickly and easily, so that you have all your paperwork backed up and ready to go in the event of an emergency.


Ensuring that all dogs that come into your grooming facility or van are up to date on their vaccinations can be an important safety measure. With the right software, you can keep track of the pets' vaccination records and ensure that they are up-to-date before providing any services. This includes vaccinations for diseases such as rabies, distemper, and parvovirus. If a pet becomes ill or spreads a disease to another animal or person due to lack of vaccination, it could result in a liability claim. 


Final Thoughts

For any professional dog grooming salon or mobile dog groomer, having dog grooming insurance is essential. It offers protection to you, your clients, and their pets in case of accidents, injuries, or damages. To ensure that you have the right insurance coverage for your business, it's important to understand the types of coverage available, what dog grooming insurance covers, and how to choose the right provider. Investing in the right dog grooming insurance policy will not only protect your business but also provide you with peace of mind as you run your pet care business. So, make sure to get the coverage you need and enjoy running your business without any worries!

Easy Busy Pets does not sell any insurance products as it is not an insurance agent. The aim of this article is to provide dog grooming businesses with useful information and guidance about Dog Grooming Insurance and to steer them towards trustworthy sources for additional information. It is important to note that Easy Busy Pets does not receive any compensation or benefits for recommending any specific Pet Insurance company or product. We do not promote or endorse any particular Pet Insurance company or product. Our priority is to provide unbiased information and advice to help you make informed decisions about your pet care business.
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