Pet Groomer Insurance

Business Owners Policy (BOP) For Pet Groomers

A business owners policy (BOP) provides you with general liability coverage in addition to customized coverage that meets your specific business needs.

• Equipment Breakdown – When equipment breaks down it causes a lot of headaches and hassle. If your business air conditioning quits during a heat wave for example, your clients and their pets could be uncomfortable enough to cancel their appointments.
• Buildings and Contents – A BOP can protect you from losses and damage to your business buildings, the improvements you’ve made, and the contents you have inside.
• Business Income and Extra Expense – If a disaster or unexpected event forces you to close your business temporarily, a BOP can protect you from the losses of income and provide for your extra expenses.
• Products and Completed Operations (Included in General Liability) – Sometimes the products you sell may prove to be hazardous to a client. For example, if a prize-winning poodle suddenly loses her hair because of an allergic reaction to the shampoo you used, her owner could sue your company.
• Electronic Data – Modern grooming businesses like yours keeps most of the important files and information in digital format. For instance, you may keep critical allergy information for client’s pets in a custom software application. If that data is destroyed or damaged, it could take a lot of time and money to replace.
• Newly Acquired or Constructed Buildings – If you have decided to expand your business operations, your BOP policy will expand coverage to your new location.
• Valuable Papers Protection – Any critical paperwork that you keep in hard copy form can also be protected from loss or damage by your business owners policy.
• Employee Dishonesty Coverage – Dishonest employees can bring harm and loss to your clients. They will hold your company legal responsible. A BOP can protect you from the litigation and settlement expenses that arise from an employee’s dishonest actions.