Pet Grooming Insurance
When the fur starts flying, you’re protected with pet grooming insurance.
Backed by
Insurance for Professional Pet Groomers
Sharp shears, loud hairdryers, and squirmy pets don’t mix – so your expertise is vital to keep the animals we all love clean, comfortable, and looking their best.
If something goes wrong, pet grooming insurance is here to protect you and the dogs, cats, and other pets in your care.
$2,000,000 General Liability Aggregate Limit
Covers property damage and harm to people
Pet Protection Coverage (Animal Bailee) (+ options for increasing limits)
Pays for accidents and injuries to pets in your care
Veterinarian Reimbursement
Gets pets the help they need (and gets you a refund)
Lost Key Liability Coverage
Handles rekeying costs when you’re locked out
Buy Online in 10 Minutes or Less
Downloadable Certificate of Insurance at Checkout
Employee Dishonesty Coverage
(Similar to Bonding)
Trusted by Over 15,000+
Pet Care Businesses
Accidents Can Cost You
But they don’t have to. Our pet grooming insurance covers you when pets get injured or sick under your care. We protect you while you focus on the pets.
Dog & Pet Grooming Insurance Overview
What Is Pet Groomer Insurance?
Pet grooming insurance gives you the liability coverage you need while working with pets in salons, stores, at home, or in mobile vans and trucks. It can help you cover the cost of accidents that happen both during and after your time with a pet, such as:
- Emergency vet care
- Pet injury, illness, or death
- Lawsuits and legal fees
- Locksmith services
- Overnight care
- Damage to customer’s property
What Does Pet Groomers Insurance Cover?
PCI bundles essential insurance coverages into a simple pet groomer insurance plan — trimming away anything you don’t need for affordable coverage that’s tailored to you. Your base policy includes:
- General and Professional Liability Insurance: Covers bodily injury and property damage, your products and services, advertising mistakes, damage to spaces you rent, and medical expenses
- Pet Protection Coverage (Animal Bailee): Protects you from legal claims for harm to animals in your care, custody, and control
- Veterinarian Reimbursement: Pays you back for vet bills when an animal you’re grooming needs emergency treatment
- Lost Key Coverage: Reimburses you for rekeying a client’s home if you lose the keys
Our base policy covers the risks every groomer faces, but we get that your cuts are the best in town because your business is special. Customize your policy with add-ons like equipment and inventory coverage, additional insureds, or cyber liability insurance for a perfect fit.
How Much Does Pet Grooming Insurance Cost?
Insurance for pet and dog groomers starts at $19.08 if you pay monthly, or $229/year with an annual prepayment. You control the cost of your policy with add-ons or increased coverage limits. For example,if you work in a leased space, you can add additional insureds (like a landlord or pet grooming salon owner) to your policy right from your online dashboard.
Personalize your policy with these extra protections anytime:
- Equipment & Inventory Coverage (Inland Marine): three options, starting at $4.08/month
- Additional Pet Protection Coverage: three options, starting at $1.99/month
- Additional Veterinarian Reimbursement: $3.99/month
- Broadened Property Damage Insurance: $2.42/month
- Cyber Liability Insurance: $6.58/month
- Additional Insureds: $0.83/month
- Employee Dishonesty Coverage: $4.92/month
- Employee Coverage: $2.08/month
- Independent Contractor Coverage: $4.17/month
Do I Need Dog Grooming Liability Insurance?
Yes! Pet grooming is an art – and your canvas moves at inappropriate times. Dog grooming insurance is designed to account for unpredictable pets and present you as a prepared professional. Insurance can cover the cost of claims or legal fees for an accident and meet your contract requirement to work from a pet store, salon, or doggy daycare facility.
Who Needs Pet Groomer Insurance?
Pet grooming insurance is for you if most of your earnings come from caring for animals’ hygiene and appearance. We cover these businesses and more:
- Independent dog and cat groomers
- Pet grooming business owners and employees
- Mobile grooming companies
- Doggy daycare workers
- Pet care businesses
- Pet kennels
Insurance for Your Dog Grooming Business
Need specialized insurance for dog groomers? You’re in the right place! Our coverage is designed to cover common pet and dog grooming claims and meet insurance requirements.
Limits of Insurance
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
Limit per Incident: $1,000,000
Limit per Year: $2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libel a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
Any One Premises: $100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
This provides your pet business with coverage in the event that you are legally liable for injuries or damages sustained by an animal in your care, custody, or control.
Limit per Incident: $2,500
Limit per Year: $5,000
This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.
Limit per Incident: $1,000
Limit per Year: $2,500
Deductible: $250
If you were to lose the keys to a client’s residence, this coverage could help you manage the cost of installing new locks or having the building rekeyed.
Limit per Incident: $2,000
Limit per Year: $2,000
*Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions.
Is Dog & Pet Groomers Insurance The Best Option?
Even the most experienced groomers are just a slip of the shears away from an accident.
That’s why you can trust pet groomer liability insurance for financial safety and help for pets if something goes wrong.
You lost your client’s key during a latch-key mobile grooming appointment.
Lost Key Coverage may help you cover the cost of new lock installations or rekeying services.
An animal dies due to your negligence.
Animal Bailee is coverage for injury or damages sustained by an animal in your care.
An animal is injured at your grooming facility.
Vet Bill Reimbursement provides coverage for medical expenses up to $1,000 per occurrence.
We know the risks associated with your line of work, so we tailored policies to safeguard your finances in case something goes wrong.
PCI is your loyal companion in insurance, and we have the Google rating to prove it. Your pet business insurance needs are covered by our trusted carrier, industry-leading team, and affordable policies.
With an easy online application and friendly, knowledgeable customer service representatives, we’re here for you from cart to claim.
You're In Good Company With Pet Care
Beyond Dog Grooming: See What Else We Cover
Besides pet groomers, we also insure many other professionals in the pet service industry with the following policies (and more!):
Pet Groomer Insurance FAQs
Does This Policy Cover Mobile Pet Groomers?
You can customize this policy to double as mobile pet groomer insurance. Choose our base pet groomer insurance policy in your online application, then we’ll give you three options for insurance coverage limits to fit your mobile grooming trailer. Getting covered for pet grooming on the go is that easy!
What Factors Affect the Cost of My Insurance?
As your business grows, you may hire, add more coverage, or increase your limits – these factors will affect your insurance cost. The good news: PCI pet grooming insurance is designed to scale with you. We offer easy-to-add coverages as you move from solopreneur to small grooming company, with protection tailored to your risks at every stage of your pet care journey.
Is Pet Groomers Insurance Required by Law?
You aren’t legally required to have pet groomer insurance – but chances are good that you still need it. Showing proof of insurance is often a contract or hiring requirement for grooming businesses, and it’s absolutely necessary to protect your career and finances. Explore dog groomer information by state to discover your local regulations and resources.
What If I Need to File a Claim?
Filing a claim online is quick and easy with PCI:
- Log in to your online user account
- Go to “Manage Policies”
- Click “File a Claim”
- Fill out the form and hit submit
A customer service representative will typically reach out to you within 1–2 business days. Are you an additional insured? Call 844.520.6990 for help from a U.S.-based customer service rep.
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Insurance for Dog Groomers
Pet grooming is rewarding, but it’s not without risk. Get dog groomers insurance today!
