Pet Groomers Business Insurance

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Why Pet Groomers Need Business Insurance

Your clients entrust you with the care and well-being of their beloved pets. Whether you are a pet trainer, pet groomer or run a pet boarding operation, working with animals can expose your business to significant risks. Learn about the coverages 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, including those involved in pet training, pet grooming, and pet boarding operation, in much the same way a homeowner’s policy helps protect your home and personal possessions. 
By combining three basic coverages that are important to virtually every small business, a BOP can save you money on insurance rates while protecting the pet services business you’ve worked hard to build.
  1. General Liability – helps protect your animal care business from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations – like if a client is injured at your workplace while having her pet groomed, or an employee causes damage to a customer’s property while training their pet at the customer’s home. It even helps cover certain claims of slander and libel. Business Liability does not cover liabilities directly arising out of the professional pet services you may provide.
  2. Commercial Property – helps protect the place where your pet services business resides and the things you use to conduct your business, like grooming tables, leashes, collars, kennels, crates, and grooming and training equipment – whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your pet grooming, pet training, and pet boarding operation business because of covered property damage.
Learn more about our Business Owner’s Policy for your pet grooming, pet training, and pet boarding operation business.
Easily Add Optional 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 be sued for damages and expenses resulting from errors and omissions in the professional pet grooming, pet training, or pet boarding operation services you provide – or the failure of your services to perform as intended. 
If you are sued, Professional Liability Insurance can provide financial protection and help cover the cost of your defense.
Learn More About Errors and Omissions Insurance
Your pet grooming van and the equipment in it is central to running your business. Imagine what could happen if someone were to break into your van or if it were damaged in an accident. Mobile Pet Groomer’s Insurance helps pay to repair or replace equipment attached to your vehicle if it is 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 suffers an injury, passes away or disappears? When an animal is accidentally injured or lost, Animal Bailee Coverage can help pay expenses, including veterinary bills and advertising and reward costs to help you search for and recover a lost or stolen pet. This option can also provide coverage if you need to 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, it may be targeted by data thieves. Data Breach insurance from The Hartford may help your business defend against breaches and manage them should one occur.
Business Income Extension for Off-Premises Operations may help replace income that is lost if your pet grooming business is unable to provide services because business property or equipment was damaged off-site. For example, if you have a mobile pet grooming business and your equipment is damaged while working at a client’s location, you may be unable to continue operations until that equipment is 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 operation business at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key coverages. For pet care businesses like yours we offer:
  • Basic Stretch
  • Super Stretch
  • Super Stretch for Medical Services 1
  • 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 operation business.
1Only applies to Veterinarians and Animal Hospital classes. 

Additional Solutions

If you have employees, use a car for work, or work from home, your pet grooming, pet training and pet boarding operation business may also benefit from:
Other Insurance Options for Pet Grooming, Training & Boarding Businesses
Required by most states, workers' compensation insurance provides benefits to your employees of your pet training, pet grooming, or pet boarding operation business for work-related injuries or illnesses including medical care, wages from lost work time, and more.
And if the worker’s family decides to sue you, coverage can help your pet training, pet grooming, or pet boarding operation business with related legal fees.
Do you use your car to pick up customers animals, transport pets, get grooming or pet training supplies, or go to clients homes to train their pets?

Business Auto insurance provides coverage generally not included in a personal auto policy. It can cover you or an employee of your pet grooming, pet training, or pet boarding operation businesses when an owned vehicle, used for business purposes, is involved in an accident. 
If you run your pet grooming, pet training, or pet boarding operation business out of your home, you probably want a Business Owner’s Policy (BOP). A BOP provides coverage not generally available with a homeowner’s policy. 

Ask yourself, “Do I have customers come to my home, provide grooming, boarding operation or training services at my house, receive business deliveries and mail at my house, have employees or pet services inventory at my home?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your pet training, pet grooming, or pet boarding operation business.

Learn More About Home-Based Business Insurance
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.