Dog Grooming Insurance

Protect your dog grooming business today. Compare quotes from multiple brokers.

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  • Key Cover for loss of keys
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What is dog grooming insurance ?

As a professional dog groomer you will be entrusted with other peoples prized pets and they expect their pet to be returned perfectly groomed and without any injury. However, the nature of the business means that it is possible to cause minor injury whilst grooming. In addition other unforeseen accidents can occur, one example would be the dog escaping from your premises and causing injury to itself or bystanders. Like dog walking insurance,  dog grooming insurance will help protect your business. Review the list below and consider what options that you would like to be  included in your policy.

dog grooming insurance
  • Public Liability is very important should a canine you are walking bite a member of the public or cause damage to property.
  • Cover for canines that have been left in your care , this type of cover will protect you should you accidentally harm or lose a dog.
  • Key Cover Just in case you happen to lose the keys.
  • Employers Liability, by law you must have this type of cover if you have employees, even if they are unpaid volunteers. This will protect you in the event that a claim is brought against you by one of your employees.

How much does dog grooming Insurance cost?

The cost of dog grooming insurance does vary and is based on a number of factors, we have listed the key factors that will determine the cost of  grooming insurance: 

  • The size of your  business measured in annual turnover 
  • You do have a choice on the level of cover required the more cover the more expensive
  • If you are a small business with staff you must take out employers liability insurance the costs will be to some extent  dependent on the number of employees.  The number of employees that you have.
  • How long you have been trading and your claims history.
  • Where you live, some areas are deemed higher risk than others. One example would areas with existing high crime rates. 

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All insurance policies come with an excess. What is an excess? This is the amount that you are individually liable for if you make a claim. If  you need to reduce your policy costs speak with your insurer about how increasing your liability will impact your annual or monthly payments.

What type of Insurance do I need for dog grooming ?

Dogs can be valuable and a prized position if its owner. Dogs can innocently cause damage and injury whilst in your care..  As such it is important that you get you or your business a good level of  insurance in place. Below is a list of the insurance types that are normally included in a canine grooming policy, unlike canine walking additional cover is required for equipment( contents ) and also buildings cover if this is not already in place.

  • Equipment cover : This will cover all that expensive and specialist equipment required to provide a professional grooming service.
  • Public Liability Insurance: This is an important type of policy and should in any good policy and it covers from claims from someone who is injured or their property damaged.
  • Care Custody & Control : If the dog is lost or injured your business is covered.
  • Non Negligence Cover :  Protection for the accidental injury to a pup in your care.
  • Key Cover: Locked out of your grooming business?  Including this option will protect from the normal costs associated with lose of keys.
  • Employer's Liability Insurance: Required by law if you have employees. 

Do you provide your service from a shop, a mobile van or work from home ?

Do you provide a mobile grooming service or operate from business premises or from home? If the answer is yes or even a mix we can provide a selection of tailored groomers insurance quotes from a select panel of  UK brokers.

Dog Grooming tips

  • Start Early : A very useful note for owners, dogs should be introduced to grooming from an early age, this will create a familiar series of events for the animal. They will know what is expected of them over time and not great a big fuss.

More details on dog grooming insurance

It’s estimated that upwards of 60 % of dog groomers are not properly insured. Many professional groomers are just not aware that there are agencies out there that specialize in the pet grooming industry that can offer guidance when it comes to obtaining the proper cover. 

A good place for you to start your  education is to understand why liability insurance may be required. Liability will protect you against any harm or damages caused to others even if accidental. In the grooming profession, the term ‘others’ refers to both humans and pets. Liability will protect your assets and your business. If a groomer should cause any harm or damage to a pet or property, they could indeed be sued. The proper liability coverage will pay out to the injured party in the event of them making a claim. This simply means that if you do not have adequate insurance coverage in place, you could very well lose both your professional and personal assets if you are successfully sued.

As  a professional , you will be dealing with moving animals, water, sharp tools, chemicals, and electricity. Combine all these factors and it’s clear to see that accidents can and do happen. No one ever plans on having an accident, but if one should occur, it is vital that you have liability insurance in place in order to protect your assets.

Compare Dog Grooming Insurance

Protect your dog grooming business today. Compare quotes from multiple brokers.

 GET  QUOTES