Why dog groomers carry insurance
Dogs are strong, unpredictable, and often anxious on the table — and you're working with sharp tools, hot dryers, and water. Most days go smoothly, but the reason dog groomers carry insurance is for the ones that don't: a nick that needs a vet visit, a dog that bolts, or a client hurt in your shop. The exposure groomers worry about most — injury to the dog in your care — is often excluded by general liability alone, which is why animal bailee coverage comes up so often.
Coverage dog groomers commonly consider
- General liability. Generally associated with third-party bodily injury and property damage — a client hurt at your shop, for example. It often excludes injury to the dog you're actively grooming, which is why the next item comes up so often.
- Animal bailee / pet floater. Focused on dogs in your care, custody, and control. If a dog is injured or gets loose while with you, this is the coverage groomers typically look to — usually added alongside general liability.
- Workers' compensation. For dog grooming businesses with employees or bathers, this relates to work-related injuries and is often legally required once you hire.
- Commercial auto. For mobile dog groomers, the van or rig used for the business generally needs its own coverage rather than a personal auto policy.
- Cyber liability. Online booking and stored payment data create digital exposure worth considering as more of the business moves online.
- Property / equipment. Tables, tubs, high-velocity dryers, and clippers add up; property coverage is generally associated with damage to or loss of that equipment.
However you groom
Dog grooming happens in salons, at home, and in mobile rigs — and each setup shifts the risk picture. Explore the segment that fits you: mobile groomers, grooming salons, and home-based groomers. You can also review the full coverage types or see what it costs.
Get a dog grooming insurance quote
Tell us about your business on the quote form — your setup, the coverages you're interested in, and any extended services like boarding or daycare. Coverage, terms, and availability vary by carrier, state, and individual risk; quotes are available in every state except New York.