- Your Definitive Guide to Dog Grooming Insurance for 2023
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.
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.
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:
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.
Here are some specific examples of how property damage coverage may apply to dog grooming businesses:
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)
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.
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.
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.
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.
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.
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:
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.
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!