(888) 900 0205Pet Groomer Insurance
A groomer's whole workday is somebody's family member on a table, wet, nervous, and trusting. Pet groomer insurance is built for exactly that arrangement: animal bailee coverage for the pets in your care, professional liability for the clipper and shear work, and the salon, van, and crew protection running behind the appointment book of a pet grooming business.
Feedback From Real Clients
Curtis Yocom
1 week ago
★★★★★
Karo Ovasapyan
2 weeks ago
★★★★★
I 'VE BEEN WITH USA BUSINESS INSURANCE FOR 14 YEARS. THEY'RE REALLY GOOD AT GENERAL CONTRACTOR INSURANCE. THEY ALWAYS GET MY PAPERWORK DONE ON TIME. I TRUST THEM AND RECOMMEND THEM TO OTHER CONTRACTORS.
Jared Raub
2 weeks ago
★★★★★
Easy to get a quote Very competitive prices Even easier to close, sign, and receive documents Excellent customer service.
Christina Wyckoff
3 weeks ago
★★★★★
Jake Killion
1 month ago
★★★★★
Cristo Romo
1 month ago
★★★★★
Sam was fantastic to work with for my business general liability insurance. He provided a great price, was extremely responsive, and made the entire process quick and easy. I really appreciate the excellent service and communication. Highly recommend Sam to anyone looking for business insurance!
Muhammad Sadatullah
1 month ago
★★★★★
Tee
1 month ago
★★★★★
Communicative and straight to the point... All that was said over the phone matched 100 percent what was in print when documents were received. No deception... just professional and timely service. Check them out.
Tee Jay
1 month ago
★★★★★
Communicative and straight to the point... All that was said over the phone matched 100 percent what was in print when documents were received. No deception... just professional and timely service. Check them out.
David Wood
2 months ago
★★★★★
When I left California, I got a new liability company. What a mistake These guys rock if you want to save money and time , call sam
General Liability Insurance For Pet Grooming Salons
For the lobby, the leash traffic, and the humans in the building.
General liability insurance may cover injuries to people on your premises, the customer nipped in the lobby by someone else's anxious dog, the slip on a wet floor, along with damage your operations cause to the leased space. What it was never written for is the pets themselves, which is why the next coverage is the heart of this trade.
General liability can help pay for:
- Customer injuries in the lobby and salon.
- Bite and scratch claims involving visitors.
- Damage to the leased space and neighbors.
- Legal defense, whatever the merit of the claim.
Professional Liability And Animal Bailee Coverage
For the dog on the table and the hands holding the shears.
Professional liability, written through our animal groomer professional liability program, may respond when a grooming service is blamed for harm, a clipper burn, a quicked nail, a reaction to product, while animal bailee coverage addresses injury, death, or escape of a pet in your custody. Together they insure the part of the business your base policy walks past: the animal itself.
Professional and bailee coverage can help pay for:
- Veterinary bills after an injury in your care.
- Claims tied to grooming services and products used.
- Death or escape of a pet in your custody, within limits.
- Legal defense and settlements, up to policy limits.
Commercial Auto Insurance For Mobile Grooming Vans
For the salon that drives to the driveway.
Commercial auto insurance, through our van program, may cover accidents involving your grooming van, a vehicle that is also a plumbed, powered workspace. The tub, generator, water system, and lift table riding inside deserve their own scheduled values, and a personal auto policy has no idea what to do with any of it.
Commercial auto can help pay for:
- Accidents involving the grooming van.
- Damage your vehicle causes to people and property.
- Claims from staff cars on house calls, with hired and non owned coverage.
Commercial Property Insurance For Tubs, Tables, And Dryers
For the equipment that turns appointments into income.
Commercial property insurance may cover your tubs, hydraulic tables, dryers, clippers, and buildout against fire, theft, and similar perils, with business income behind a covered shutdown. Salon equipment adds up faster than owners expect, and scheduled values beat guesses on the day a pipe lets go above the drying room.
Commercial property can help pay for:
- Fire, theft, and water losses to equipment and buildout.
- Replacement of tubs, tables, and dryers.
- Lost income during a covered closure.
Workers Compensation For Grooming Staff
For the crew lifting, bathing, and handling all day.
Workers compensation may cover medical bills and lost wages when an employee is hurt working, and grooming claims are what you would guess: bites and scratches, and the backs and shoulders that lift ninety pound dogs into tubs. Most states require coverage once you hire, with rules that vary by state, and safe handling training protects your people and your rates together.
Workers compensation can help pay for:
- Medical care after bites, scratches, and lifting injuries.
- Lost wages during recovery.
- Employer liability defense.
Business Owners Policy For Pet Groomers
For the package price this storefront trade usually earns.
A business owners policy can bundle liability, property, and business income for qualifying salons at a package rate, with the professional and bailee coverage built around it. Here is how a BOP works.
A business owners policy can help pay for:
- Third party injury and property damage claims.
- Covered losses to the salon and its equipment.
- Lost income during a covered closure.
You May Need Business Insurance If You Do The Following Work
If animals pass through your hands for pay, the exposure exists, one van or a six table salon.
- Full service grooming salons.
- Bath and brush and self wash operations.
- Mobile grooming vans.
- House call grooming.
- Cat grooming.
- Breed and show trims.
- De shedding and de matting services.
- Nail trims and teeth brushing.
- Boarding and daycare add ons.
- Grooming stations inside pet stores and retail hosts.
What's Not Covered Under These Policies
Every policy above has an edge, and grooming claims get denied at predictable ones. These are the gaps we check on every incoming operation.
- The pets themselves under plain general liability. They are property in your care, custody, or control, excluded by standard language, and animal bailee coverage is the part written for them.
- Health events in a pet whose condition was never disclosed. Grooming stress on an undisclosed heart or seizure condition is a dispute before it is a claim, which is exactly what intake forms exist to prevent.
- Injuries to your own staff, which belong to workers compensation rather than liability coverage.
- The grooming van on a personal auto policy, a plumbed commercial workspace no personal form was built for.
- Boarding and overnight stays added without telling the carrier, a different class with a different rate.
- Booking app and card data breaches without cyber coverage.
- Employment disputes with staff, which need employment practices liability.
- Kennel license fines and city citations, which are compliance matters, not insurable losses.
Why choose us
Numbers that prove it.
Independent. Licensed in all 50 states. Backed by partnerships with the carriers that matter to your business.
1,000+
Trades Insured
18+
Years In Business
240+
Insurance Carriers
Our Partners
We partner with A-Rated AM Best Insurance Companies (ratings subject to change)
FAQs For Pet Groomers
Is a pet injured in my care covered?
Under animal bailee coverage, injuries to pets in your custody may be covered, subject to limits, including the veterinary bills that follow. Under general liability alone, generally not, because pets are property in your care, custody, or control, which standard forms exclude.
What if a pet dies or escapes while with us?
Death and escape of an animal in your custody are exactly what bailee coverage is written for, within its limits, and prevention is the other half: double leashing, secured doors, grooming loops used properly, and a written protocol for the worst day. Carriers ask about all of it.
What about cage dryer incidents?
Dryer related claims are the most serious this trade sees, and they turn on monitoring: timers, temperature checks, documented walk bys, and breed policies for heat sensitive dogs. Coverage may respond, subject to terms, and the operations that document their routine defend these claims from strength.
Why do intake forms and vaccination records matter to insurance?
Because they are the defense file. Rabies proof, disclosed health conditions, senior pet acknowledgments, and de matting consents turn a dispute into a documented decision the owner participated in. The claim we resolve quickly is almost always the one with the complete intake form.
What happens if a groomer is bitten?
Staff bites and scratches are workers compensation claims, and they are this trade's most frequent injury alongside lifting strains. Coverage handles the medical side, and handling training, muzzle policies, and two person lifts for big dogs handle the frequency.
Does adding boarding or daycare change our policy?
Yes. Overnight custody and group play are a different classification with different exposure, animals in your care around the clock, and adding them silently is a gap. A call before the first overnight keeps the coverage and the rate honest.