Coverage types for pet groomers

Often the foundation for a grooming business. General liability is generally associated with third-party bodily injury and property damage — for example, a client who slips and is hurt while visiting your shop. Importantly, general liability often excludes injury to the animals you're actively working on, which is why groomers frequently pair it with animal bailee coverage.

This coverage is focused on animals in your care, custody, and control. If a pet you're grooming or boarding is injured or escapes, this is the coverage groomers typically look to. It's commonly added alongside general liability rather than purchased on its own.

For grooming businesses with employees or staff, workers' comp is generally associated with work-related injuries and the related medical and wage costs. Requirements vary by state and by how your workers are classified. A business Tax ID (EIN) is typically needed to quote it.

Online booking systems, stored payment information, and customer records create digital exposure. Cyber liability is generally associated with data breaches and certain cyber events. It's increasingly relevant for groomers who take bookings or payments online.

Mobile groomers rely on a van or rig, and vehicles used for business often need their own coverage rather than a personal auto policy. Commercial auto is generally associated with vehicles used in the operation of the business.

Tables, tubs, dryers, clippers, and shop contents represent real value. Property / business personal property coverage is generally associated with damage to or loss of that equipment and, for building owners, the building itself. Our quote form includes an optional property section.

Run a kennel, daycare, or train animals too?

Extended services change your risk picture. Tell us about them on the quote form and we'll factor them in.