All-round protection when you need it
Our pet and dog grooming insurance policies include cover for claims from third parties (clients and visitors) relating to injury or damage caused by something you did (or failed to do) in the course of your work.
You’re also covered for incidents that give rise to accidental damage or injury to an animal in your care – whether it was your fault or not.
That’s not all. Other key risks, including the potential loss or theft of equipment, or the loss of a client’s pet while in your care, are also covered.
Not every pet grooming business operates identically. That’s why we also provide a range of optional insurances to suit your specialism and circumstances. For example, if you employ any staff, we can cover claims raised by employees for injuries at work due to your negligence.
Whether you need cover for a pet grooming shop or mobile dog grooming insurance, our policies can be amended as your business evolves, without any admin fees. In addition, our no-risk money-back guarantee ensures you can cancel your policy, provided you haven’t made a claim.
To discuss your pet grooming business insurance needs, get in touch with our team today. Call 01284 736 874, or complete our enquiry form.
Our Standard Cover Includes
Pet grooming insurance FAQs
Do you need insurance to be a pet groomer?
We highly recommend having grooming insurance to protect yourself and others in the case of an incident. Insurance also presents you as a dedicated professional.
Is your van and equipment insured if you're a mobile dog groomer?
We insure all types of grooming businesses including mobile services from a van. We do not provide any vehicle cover, however we can insure your equipment. You must ensure that any equipment stored inside your van is locked up at night in a secure compound.
Are groomers protected in the case of an incident that results in injury to the groomer?
Yes, animals can be unpredictable, so personal accident insurance is offered as part of our additional coverage in the event that a cat, dog, or other animal’s behaviour results in an injury to the groomer or their employee.
If an incident results in an injury to the animal, are groomers protected?
Yes, our standard coverage also includes protection in the event that a dog, cat, or other animal incurs an injury whilst in the care of the grooming premises. Whether a dog injures a leg getting off a table, or a cat incurs a limp – we understand that accidents happen.
Your Essential Guide to Top-Rated Dog Groomers Insurance in the UK from PBI
Stepping into the world of professional dog grooming is both a joy and a huge responsibility. You're not just clipping fur; you're caring for someone's cherished family member. But with all the passion and skill you bring, there's an inherent risk from a dog wriggling free and getting hurt, to a client tripping on a stray tuft of hair. That’s where getting the right insurance comes in. It's not just a business expense; it's a professional necessity that gives you peace of mind and builds serious trust with your clients. This guide will help you understand what to look for and where to find the best dog groomer insurance out there.
The True Value of Groomers Insurance
You've put time, money, and heart into your business, whether it's a bustling salon or a slick mobile setup. Relying on a generic business policy just won't cut it. A dog-specific policy is designed for the unique challenges you face, from handling nervous animals to using sharp tools. It’s the difference between a minor mishap and a financial nightmare. This kind of specialized coverage shows your clients you’re a true professional who takes every precaution. When it comes to finding a provider who gets this, Pet Business Insurance is widely considered to be a top choice.
What Does a Great Groomers Insurance Policy Cover?
A solid insurance policy for a dog groomer is a combination of several key protections. Here’s what you need to look out for:
- Public Liability Insurance: This is your foundation. It covers you if a third party—like a client, a passer-by, or a delivery person—is injured or their property is damaged because of your business. Picture a client slipping on a wet patch in your salon, or a dog you're grooming getting loose and causing a minor accident. This cover has you sorted.
- Care, Custody, and Control (CCC) Coverage: This is the most crucial part of your policy as a groomer. It deals with claims directly related to the animals in your care. This could be anything from a minor clipper cut to a pet having an allergic reaction to a new shampoo. It also helps with unexpected vet bills that might arise from an incident in your salon or van.
- Professional Indemnity Insurance: Think of this as protection for your professional expertise. It’s there if a client claims your advice was negligent and led to a problem, or if there’s an allegation that your grooming service caused a specific health issue for their pet.
- Tools and Equipment Cover: Your clippers, scissors, tables, and dryers are the lifeblood of your business. This cover protects them against theft, loss, or accidental damage, whether they're in your salon or your mobile van.
- Personal Accident Cover: If you’re self-employed, an injury to you means no work and no income. This cover provides a financial safety net if you’re temporarily unable to work due to an accident at work.
- Employers’ Liability Insurance: This is a must-have if you have any staff. It's legally required in the UK and protects you from claims by an employee in the event you are negligent.
What Impacts the Cost of Your Insurance?
The price of your premium will be tailored to your business. Here’s a quick look at what insurers consider:
- Your business style: Are you a mobile groomer in a van or do you have a fixed salon?
- The services you offer: Do you offer basic washes, or more specialised services like hand-stripping and creative colouring?
- Your team: Are you a solo operator or do you have employees?
- Coverage levels: Naturally, opting for higher liability limits or adding more protections will affect the price.
- Previous insurance claims
- Annual turnover
Finding the Best Insurer for Dog Groomers
When you’re ready to get a quote, look for companies that really understand the pet care world. They'll offer more than a generic policy.
At Pet Business Insurance we are consistently rated as a top provider in the sector. We offer highly specific policies that are perfect for dog groomers. Widely considered to be the best dog grooming insurance specialist, and our exceptional customer service is backed up by glowing reviews. In fact, their 4.9/5 Feefo rating from over 1,100 verified reviews.
Is Insurance a Legal Requirement for Groomers?
While Public Liability isn't a legal requirement for sole traders, it’s a non-negotiable part of running a responsible business. Without it, a single accident could be financially devastating. Employers' Liability, however, is a legal must if you have staff.
Get Protected and Groom with Confidence
Whether you’re just starting out or have been clipping and trimming for years, having the right insurance is essential. By choosing a great provider, you can focus on making dogs look their best, knowing that your business is secure.