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13 Reasons Why Groomers Need Pet Grooming Insurance

woman grooming dog with scissors
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You don’t know what you don’t know until it’s too late.

This old platitude is particularly true when it comes to pet groomer insurance and liability risks. For small businesses and sole proprietors, however, this statement isn’t just true—it can also be expensive.

If your insurance purchasing decisions are based on what you know—whether it’s that you’ve never had an incident in 5 years, or that you simply just don’t see how your services can accidentally harm pets—this adage could spell doom for your business.

Whether or not you’re the world’s best groomer, the truth is that accidents can happen. Sometimes, these are even completely out of your control. You can do everything right, and a pet can still get injured on your table.

1. It Shows That You’re Responsible & Professional

Getting liability insurance for your grooming business doesn’t mean you aren’t a good groomer. In fact, it demonstrates to potential clients that you’re a responsible one who understands the risks. And groomers who understands risks are better able to take precautions that will prevent them.

In addition, it also indicates that you take your job seriously. Most people don’t insure their hobbies, but they do insure their businesses. That’s because people need their livelihood to survive, so they don’t want to jeopardize it if they’re hit with a claim. And, if they’re not willing to jeopardize it that way, it stands to reason that they’re also less likely to jeopardize it with risky behaviors. To a potential client, that helps them trust you with their beloved furry family member.

12 Additional Reasons Why You Need Liability Insurance

To further illustrate our point, here is a list of additional reasons why you should get liability insurance coverage (continued from the first reason given above) for your pet grooming business:

Dog getting groomed while wearing a grooming leash
  1. Dogs can get strangled by grooming table leashes
  2. Clipper burns
  3. Burns on pets placed in box dryers
  4. Broken bones after a pet jumps or falls off the table
  5. Toxic products or allergic reactions to products
  6. A toenail cut too short that gets infected
  7. Stroke or heart attack during the appointment
  8. Cuts & other injuries sustained when a pet twitches or jerks its legs without warning
  9. Skin disorders aggravated by grooming techniques or procedures
  10. Breathing problems caused (or made worse) by grooming
  11. Elderly dogs with unknown or undisclosed issues that come to light during the appointment
  12. Animal fights caused by two pets that don’t get along

All of the above reasons are actual scenarios that have happened with pets during a grooming appointment. They aren’t what-if scenarios. Without insurance coverage, would your business be able to handle the cost of claims for these incidences?

At PCI, we know you love the pets you serve. We love them, too. That’s why we’re here to help you learn more about how you can protect them—and yourself.

Getting the right insurance coverage is just one way to gain this protection. What other solutions have you used to help prevent the above scenarios (or any others not listed)? Please comment and share!

Annual Pet Insurance Policy

This policy is for professionals who work in the pet care industry.

$139

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Contact Info

7:00am – 5:00pm MT | Mon – Fri

Call: 844-520-6990

Email: info@petcareins.com

Terms and Conditons

  • 1) No Purchase Necessary:

    No purchase is necessary to enter or win the contest. Purchasing will not increase your chances of winning the contest.

  • 2) Eligibility:

    The contest is open to legal United States residents who are 18 years of age or older at the time of entry. The contest is only open to those who follow the instructions and enter their name and email address on the website landing page

    https://www.petcareins.com/groomer-to-groomer Employees of Pet Care Insurance, their respective affiliates, contractors, subsidiaries, advertising and promotion agencies and partners, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the contest. The contest is subject to all applicable federal, state and local laws and regulations. Void where prohibited.

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  • 4) Contest Period:

    Entries will be accepted online starting on or about November 23, 2018 and ending 10:30 AM MST on December 3, 2018. All online entries must be received by December 3, 2018 10:30 AM MST. There will be one winner.

  • 5) How To Enter:

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    here will be 1 (one) winner who will receive 1 (one) Amazon Gift Card. The Approximate retail price of the Amazon Gift Card is = $100 USD. At the discretion of PCI, the gift card may be delivered either electronically or by means of free standard shipping to the United States.PCI reserves the right to substitute an item of equal or greater value if any items listed above are out of stock or otherwise unavailable. Actual/appraised value may differ at the time of prize award. The specifics of the prize shall be solely determined by the Sponsor. No cash or other prize substitution permitted except at Sponsor’s discretion. The prize is non-transferable. Any and all prize related expenses, including without limitation any and all federal, state, and/or local taxes shall be the sole responsibility of the winner. No substitution of a prize or transfer/assignment of a prize to others or request for the cash equivalent by winners is permitted. Acceptance of prize constitutes permission for PCI to use winner’s name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.

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    Winners of the contest will be selected based on content quality under the supervision of the Sponsor. Winner will be notified via message to the email address that they used or phone number they submitted to enter the contest within five (5) days following the winner selection. PCI shall have no liability for a winner’s failure to receive notices due to winners’ spam, junk e-mail or other security settings or for winners’ provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is ineligible, fails to claim the prize within 15 days of the time award notification was sent, or fails to timely return a completed and executed declaration and releases as required, the prize may be forfeited and an alternate winner selected.

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    Pet Care Insurance reserves the right, in its sole discretion to cancel, terminate, modify, or suspend the contest should (in its sole discretion) a virus, bugs, non-authorized human intervention, fraud or other causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the contest. In such case, Pet Care Insurance may select the recipients from all eligible entries received prior to and/or after (if appropriate) the action taken by Pet Care Insurance. Pet Care Insurance reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the contest or website or violates these Terms & Conditions.

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Comparing Employee Dishonesty Coverage & Bonding

PCI’s employee dishonesty coverage is similar to a bond, but there may be some key differences to consider.

Employee dishonesty coverage:

  • Can be purchased in the same transaction
  • Doesn’t run credit checks
  • Provides $10,000 per occurrence and $25,000 aggregate coverage

Bonds may differ from our dishonesty coverage by:

  • Checking your credit during the application process
  • Having a “Conviction Claus;” Often bonds won’t pay on claims unless there is a conviction
  • Many require you to reimbursement the bonding company after a claim is paid