Dog Grooming Insurance

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dog grooming business insurance
Mobile dog grooming insurance
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Custodial Responsibility
Employer's Liability Insurance
Public Liability insurance for dog walkers

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.

Elements of dog grooming insurance available

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.

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How much does dog grooming Insurance cost?

The cost of 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 be areas with existing high crime rates.

Like all insurance policies, dog grooming insurance comes 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 Dog grooming Insurance do I need?

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 be in any good policy. 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 loss 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 mobile dog grooming insurance quotes from a select panel of UK brokers.

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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 should be included in your dog grooming insurance policy. 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 dog grooming 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.

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We can provide your dog grooming or pet grooming business with multiple insurance quotes. This will enable you tos start comparing the market in search of a dog grooming insurance policy that meets with your requirements.

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