Going mobile is one of the fastest-growing ways to groom, but the van changes your risk picture. These five come up most for mobile groomers.
- The rig itself. Your van or trailer is your shop and your transportation. Accidents, theft, and damage to a business vehicle are generally associated with commercial auto rather than a personal auto policy.
- Pets in your care on the road. A pet can be injured or get loose during a mobile appointment just as in a salon. Animal bailee / pet floater coverage is focused on animals in your care, custody, and control.
- Parking, driveways, and client property. Working at a client's home means new surroundings — a scratched car, a damaged driveway, or a visitor tripping over a hose. Third-party property damage and bodily injury are generally associated with general liability.
- Specialized equipment. Mobile rigs are packed with tubs, dryers, generators, and clippers. Damage, theft, or breakdown of that equipment is generally associated with property / business personal property coverage.
- Being a one-person operation. If you're hurt or your rig is out of service, income can stop. Groomers commonly weigh how a setback would affect the business and consider coverages — and savings — accordingly.
Putting it together
Mobile groomers often combine general liability, animal bailee, and commercial auto as a starting point. Tell us about your rig and routes on the quote form and we'll factor it in — and see sample claims for realistic scenarios.