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Pet Grooming Insurance Coverages Your Business Needs

Woman dropping dog off at the groomers

The great thing about your job is you have the opportunity to interact with different types of doggos. Some are very furry while others have a low maintenance look. You never know what an appointment will entail! Dog owners want to work with someone who is professional, experienced, and cares about the well-being of their fur babies. With insurance, you’ll be able to show your clients that you’re proactive and have coverage in place to keep their fur babies safe. Today, we are going to go over how pet grooming insurance is a business essential and why every groomer should obtain coverage.

Designed To Respond To Claims

Each appointment matters! What would you do if a doggo got hurt? We know how much you care about each furry client and don’t want to worry about what can go wrong. If your furry friend gets hurt, you’ll do what you can to help them and face the financial strain later. Veterinarian fees can get expensive and it can be stressful to handle. That’s why it is important to prepare for those mishaps on the job. By obtaining insurance, you have a safety net and peace of mind.

Here’s what fellow groomers have faced on the job:

  • Broken bones after a pet jumps or falls off the table
  • A dog experiencing an infection after their grooming appointment
  • A dog experiencing skin irritation caused by grooming techniques
  • A fight occurs between two dogs and both sustain serious injuries

Pet behavior varies and there’s no way to control the outcome. Like people, they have different personalities and energy levels. One doggo might get too overly excited after a grooming appointment and one wrong move could land him at the vet’s office. Every business will face one big or small claim depending on the severity. We hope it’s something you never face, but there are no guarantees. We highly recommend being prepared with pet grooming insurance.

Dog getting a bath

Carrying coverage shows you are responsible

No matter which industry you’re in, there will always be risk and pet grooming is no different. From a doggo sustaining an injury during a grooming appointment to a dog experiencing an infection, the risks are very real.

One great thing you could do is create procedures and attempt to prevent these types of incidents from occurring. By creating these preventive procedures, clients see that you care about their fur babies. Unfortunately, it’s hard to make sure every appointment runs smoothly. There are outside variables and human error to think about.

Let’s say you accidentally cut too close to a doggo’s skin and they start to bleed. The injury may send them to the veterinarian’s office. After some time, the bill arrives and the client wants you to cover the charges. That might be hard to do as a small business owner. With pet grooming insurance, you can file a claim online and get some help from our claims adjuster.

30% of our insureds have reported that insurance helps them gain more clients. Obtaining liability insurance for your business shows your clients that you are responsible and they are working with a professional. Better yet, carrying coverage covers your exposures and gives your business a safety net to fall on.

Fit For Dog Groomers In Mind

At PCI, we’ve seen what groomers have come across, such as a doggo getting a little too excited over their new look and jumping off the station. In doing so, an injury is sustained and that type of claim can easily ruin your livelihood. You’ve worked really hard to build up your business. PCI created pet grooming insurance coverage fit for groomers that includes useful protections such as general liability, vet bill reimbursement, and animal bailee. Let’s explain what these coverages can do for you below.

General Liability Coverage

General liability is base coverage that every groomer should obtain to protect themselves from exposures, such as lawsuits. By obtaining liability protection, you have a policy designed to respond to pay for injury or property damage claims you are legally obligated to pay for.

Veterinarian Bill Reimbursement

Veterinarian bill reimbursement is designed to respond to medical expenses an animal faces in your care, custody, or control. A doggo could accidentally choke on a treat or eat something out of the ordinary. By having pet grooming insurance, your policy may cover vet-related expenses and give you a financial safety net.

Pet Protection (Animal Bailee) Coverage

Animal bailee is designed to cover you if you are held legally liable for injuries or damages to an animal in your care, custody, or control. On top of that, mobile pet grooming is included and it doesn’t cost an extra fee.

These are just a few of the coverages PCI offers. For more information on our policy, learn more here.

Coverage can grow with you

We are ready to go grow with you when the time is right! Our insureds are able to include a variety of coverages or increase limits in their pet grooming insurance policies, such as:

  • Pet Protection (Animal bailee) coverage: Insured can increase their limits up to $5,000 per occurrence/$10,000 aggregate or $10,000 per occurrence/$20,000 aggregate limit, or $15,000 per occurrence/$30,000 aggregate limit.
  • Broadened property damage coverage: This covers damage to personal property in your care, custody, and control. The limit of coverage is $10,000 per occurrence/$25,000 aggregate and could be useful for those on-site grooming appointments.
  • Employee dishonesty coverage: This type of coverage is designed to respond to financial loss or damage committed by an employee. The maximum limit provided by this endorsement is $10,000 per occurrence/$25,000 aggregate.

Other options include independent contractors coverage, pet daycare operations coverage, and more. You can easily update your policy through your customized PCI dashboard. We’ll be here when you’re ready to add additional layers of protection.

The Wrap Up

As a business owner, it’s important to focus on what matters most and take your endeavor to new heights. You’re always looking to identify improvements and make things better. By obtaining insurance, you have peace of mind that you are protecting your business from exposures faced every day on the job. We hope that you’ll consider pet grooming insurance from PCI for your business!

Learn more about pet grooming insurance

Annual Dog Groomer Insurance Policy

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

Starting at:


or $19.08/month

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Contact Info

7:00am – 5:00pm MT | Mon – Fri

Call: 844-520-6990


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 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.

  • 3) Agreement To Rules:

    By participating, you agree to be fully unconditionally bound by these rules, and you represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of Pet Care Insurance (PCI), as final and binding as it relates to the content. The contest is subject to all applicable federal, state and local laws.

  • 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:

    To enter the contest, one must enter their first name, last name, and email address into the contact form located exclusively on You may enter only once. You may not enter more times than indicated by using multiple email addresses, identities, or devices in an attempt to circumvent the rules. If you use fraudulent methods or otherwise attempt to circumvent the rules, your submission may be removed from eligibility at the sole discretion of Pet Care Insurance (PCI). All disputes will be resolved at the sole discretion of Pet Care Insurance (PCI). In the event the entry collection mechanism suffers a technical failure, Sponsor may elect to randomly select another email subscriber to designate the winner of this giveaway. [Note: If you would like to remove yourself from consideration for this giveaway, please email Pet Care Insurance (PCI) at with the subject line “Opt-Out – Attn: Ryan Muir”]

  • 6) Prize:

    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.

  • 7) Odds:

    The odds of winning depend on the number of eligible entries received. One entry per person/email address.

  • 8) Winner Selection And Notification:

    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.

    The receipt by winner of the prize offered in this contest is conditioned upon compliance with any and all federal and state laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY ANY WINNER (AT SPONSOR’S SOLE DISCRETION) WILL RESULT IN SUCH WINNER’S DISQUALIFICATION AS WINNER OF THE CONTEST AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.

  • 9) Rights Granted By You:

    By entering this contest you understand that Pet Care Insurance, anyone acting on behalf of Pet Care Insurance, or its respective licensees, successors and assigns will have the right, where permitted by law, without any further notice, review, or consent to print, publish, broadcast, distribute, and use, worldwide in any media now known or hereafter in perpetuity and throughout the World, your entry, including, without limitation, the entry and winner’s name, portrait, picture, voice, likeness, image or statements about the contest, and biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation.

  • 10) Terms:

    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.

    Pet Care Insurance has the right, in its sole discretion, to maintain the integrity of the contest, to void votes for any reason, including, but not limited to; multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by contest rules; or the use of bots, macros or scripts or other technical means for entering. Any attempt by an entrant to deliberately damage any web site or undermine the legitimate operation of the contest may be a violation of criminal and civil laws and should such an attempt be made, Pet Care Insurance reserves the right to seek damages from any such person to the fullest extent permitted by law.

By entering the contest you agree to receive emails periodically from Pet Care Insurance and to receive a phone call from Pet Care Insurance. You can opt-out of receiving this communication at any time by clicking the unsubscribe link in the email.

  • 1) Limitation Of Liability:

    By entering you agree to release and hold harmless Pet Care Insurance and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers and directors from any liability, illness, injury, death, loss, litigation, claim or damage that may occur, directly or indirectly, whether caused by negligence or not, from (i) such entrant’s participation in the contest and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof, (ii) technical failures of any kind, including but not limited to the malfunctioning of any computer, cable, network, hardware or software; (iii) the unavailability or inaccessibility of any transmissions or telephone or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) electronic or human error which may occur in the administration of the Promotion or the processing of entries.

  • 2) Disputes:

    THIS CONTEST IS GOVERNED BY THE LAWS OF The United States of America AND California, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this contest, participant agrees that any and all disputes which cannot be resolved between the parties, and causes of action arising out of or connected with this contest, shall be resolved individually, without resort to any form of class action, exclusively before a court located in Utah County, Utah, USA having jurisdiction. Further, in any such dispute, under no circumstances will participant be permitted to obtain awards for, and hereby waives all rights to claim punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this contest), and participant further waives all rights to have damages multiplied or increased.

  • 3) Privacy Policy.

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  • 4) Winners List:

    To obtain a copy of the winner’s name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to:

    Pet Care Insurance

    c/o: Marketing Department

    260 South 2500 West Suite #303

    Pleasant Grove, UT 84062

    Requests must be received no later than December 3, 2019.

  • 5) Sponsor:

    The Sponsor of the contest is:

    Pet Care Insurance

    260 South 2500 West Suite #303

    Pleasant Grove, UT 84062

  • 6)

    This promotion is in no way sponsored, endorsed, or administered by, or associated with, Facebook, Twitter, or any other Social Network. You are providing your information to PCI and not to any other party.

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