The Hartford makes it easy to get a business insurance quote online, including for business liability, property, and workers' compensation coverage.
Why You Need Pet Grooming Insurance
Your clients trust you with the care and well-being of their beloved pets. Whether you’re a pet trainer, pet groomer or run a pet boarding operation, working with animals can expose your business to significant risks. Learn more about the pet grooming insurance coverages that pet care businesses like yours typically purchase from The Hartford.
Business Owner’s Policy
Most pet grooming, boarding operation and training businesses have a Business Owner’s Policy (BOP). Why? Because it helps protect businesses in much the same way a homeowner’s policy helps protect your home and personal possessions. A BOP can help protect businesses involved in:
- Pet training
- Pet grooming
- Pet boarding operations
By combining three basic insurance coverages that are important to virtually every small business, a BOP can save you money on insurance rates, while protecting the pet grooming business you’ve worked hard to build.
- General liability helps protect your animal care/pet grooming business from certain lawsuits alleging bodily injuries or property damage that occurred as the result of your business operations. For example, a client gets injured at your workplace while having her pet groomed. Or an employee causes damage to a customer’s property while training a pet at the customer’s home. Insurance for pet groomers even helps cover certain claims alleging slander and libel. Business liability does not cover liabilities directly resulting from the professional pet services you provide.
- Commercial property helps protect the place where your business resides. It also helps protect the equipment you use to conduct business. This coverage applies whether you own or lease your equipment. Equipment can include:
- Grooming tables
- Grooming and training equipment
- Business income helps cover the loss of income when you can’t run your pet grooming, pet training and pet boarding business because of covered property damage.
Learn more about our Business Owner’s Policy for your pet grooming, pet training or pet boarding business.
Easily Add Optional Pet Grooming Insurance Coverages to a Business Owner’s Policy
You know how easy it can be to make a mistake around energetic or nervous animals. You can easily get sued for damages and expenses resulting from errors and omissions in the professional pet grooming, pet training or pet boarding operation services you provide. Lawsuits can also get filed against you for the failure of your services to perform as intended.
If you get sued, adding professional liability coverage to your dog grooming business insurance can help provide financial protection and help cover defense costs.
Mobile Grooming Equipment
Your pet grooming van and the equipment in it are central to running your business. Imagine what could happen if someone breaks into your van, or if your van gets damaged in an accident. Mobile Pet Groomer’s Insurance helps pay to repair or replace equipment attached to your vehicle after its lost or stolen. It can also help cover lost income when you are not able to use your van.
Have you thought about what could happen if an animal in your care, custody or control suffers an injury? What if it passes away or disappears? When an animal is accidentally injured or lost, animal bailee coverage can help pay for different expenses, including:
- Veterinary bills
- Advertising and reward costs to help you search for and recover a stolen pet
This coverage can also help you move animals under your care to a temporary location.
Pet grooming businesses may fall victim to a data breach just as any other business may. For example, if your pet grooming business stores personal information about your customers or employees, data thieves may target it. Adding data breach insurance from The Hartford in your dog grooming insurance coverage may help your business defend against breaches. It can also help you manage breaches if they occur.
Business Income Extension for Off-Premises Operations
This coverage can help replace income that gets lost if your pet grooming business is unable to provide services because business property or equipment suffered damages off site. For example, if you have a mobile pet grooming business and your equipment gets damaged while working at a client’s location, you may be unable to continue operations until that equipment gets repaired. This coverage may help replace the income you lose while you are unable to operate.
Bundle Insurance Coverage for Pet Grooming, Training & Boarding Businesses
It’s easy to increase your BOP protection for your pet training, pet grooming or pet boarding business at an affordable price. The Hartford’s Stretch® endorsements bundle valuable key coverages. For pet care businesses like yours, we offer:
- Basic Stretch
- Super Stretch
- Super Stretch for Medical Services1
- Super Stretch for Business Services
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right small business insurance coverage for your pet grooming, pet training or pet boarding business.
Additional Dog Grooming Insurance Solutions
If you have employees, use a car for work or work from home, your pet grooming, pet training and pet boarding business may also benefit from:
Other Insurance Options for Pet Grooming, Training & Boarding Businesses
Workers’ Compensation Insurance
Required by most states, workers’ compensation insurance provides benefits to your employees if they suffer a work-related injury or illness. Benefits include:
- Help covering medical care
- Wages from lost work time
And if the worker’s family decides to sue you, coverage can help cover your related legal fees.
Commercial Auto Insurance
Do you use your car to pick up customers’ animals, transport pets, or get grooming or pet training supplies? Or do you travel to your client’s homes to train their pets?
Business auto insurance provides coverage generally not included in a personal auto policy. It can help protect you or an employee of your pet grooming, pet training or pet boarding businesses if either of you are driving an owned vehicle for business purposes and get into an accident.
Home-Based Business Solutions
If you run your pet grooming, pet training or pet boarding operation business out of your home, you probably want a BOP. A BOP provides coverage not generally available with a homeowner’s policy.
Ask yourself these questions:
- Do I have customers come to my home?
- Do I provide grooming, boarding operations or training services at my house?
- Do I receive business deliveries and mail at my house?
- Do I have employees or pet services inventory at my home?
If the answer is yes to any of these questions, your insurance agent or one of our specialists can help you select the right business coverage.
We’re backed by over 200 years of experience. We understand the unique risks small business owners face. That’s why we created a team dedicated to driving small business owners and their businesses forward. Get a pet insurance quote today.
1 Only applies to veterinarians and animal hospital classes