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Pet and dog groomers are providing a valuable service and are eager to make their living by it. However, anyone who has tried to run a business can tell you that it is hard and comes with many unexpected costs and obstacles. Clients sue over nails getting trimmed too closely, tubs break under particularly feisty dogs, and leashes fray and snap as they age. Clients are entrusting you with their precious cargo and they'd be devastated if something happened. Expenses from damaged equipment and lawsuits can sink your business if it isn't properly insured. That’s why we recommend a pet grooming business insurance package for your business.
What should a pet or dog grooming insurance package include? What about mobile dog groomers?
A pet grooming business can purchase certain types of insurance in a cost-effective and convenient package called a business owner's policy, often referred to as BOP. Pet groomer BOP's tend to include general liability insurance, commercial property insurance, and business interruption insurance. Who can benefit from one of these packages?
What do these three policies include?
Why would a pet grooming business need professional liability insurance? Pet groomers are doing a tricky job with other people's beloved (and possibly wiggly) fur babies. A nervous dog may be skittish and jittery. One wrong move on their part can mean a small cut or even a fall. A client could accuse you of professional negligence or malpractice, which could lead to your business paying out a lot of money. Professional liability insurance covers the cost of paying for the claims and the defense costs up to the limit of the coverage. Often, the insurance policy will be structured so that it covers up to a million dollars per claim, but the details vary from company to company.
A comprehensive pet grooming insurance package must also include animal bailee coverage. This liability coverage protects your grooming business if an animal in your care, custody, or control suffers an injury, gets lost, or passes away. This coverage will help pay for the animal's medical expenses. It will also cover the cost to advertise the lost pet and pay a reward if the animal is recovered.
Are you a mobile pet groomer? Or do you transport animals to and from your business? If so, you might want to include commercial auto insurance in your pet groomer insurance package. You want to make sure that your employees and the animals in your care are well-protected.
Most states require that you carry workers' compensation insurance in case an employee gets injured on the job. Groomers face pets with sharp claws and fangs who may object to soapy water, right? You use plenty of sharp pieces of equipment with which they can accidentally jab themselves. If they get injured, they should have the medical coverage necessary to pay for a speedy recovery. Workers' compensation will often cover a portion of their lost wages as well as medical expenses.
If your business suffers a loss of an animal, your mobile grooming vehicle is damaged, or a customer is injured—you want to make sure you protect your business. Insurance for pet groomers can depend on numerous variables, including:
Some insurance companies offer a very basic policy starting at $168 a month. To find out what comprehensive grooming could cost your business, speak with a knowledgeable agent about your options.
Now that you have identified the types of insurance that your business needs, It's time to get a quote, maybe even a few quotes to make sure you get the best policies for you. Commercialinsurance.net is happy to help get you a quote. Simply complete the form at the top of the page or contact us at 877-907-5267.
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