Pet Groomer Insurance

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Grooming Business Insurance for Professional Groomers

PCI’s professional grooming business insurance was designed to meet the unique needs of the dog and pet grooming industry. As a groomer, there are many situations that you could be held liable for, such as:

  • A pet gets sick while in your care
  • A dog is injured during an appointment
  • A pet owner is injured on your property

Read an overview of our groomer insurance policy.

One of the benefits of a pet groomer insurance policy through PCI is that we can cover you whether the pets come to you or you go to the pets. Our basic groomer policy allows you to have grooming insurance at no additional premium.

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If you’re looking for pet groomer insurance, you’ve come to the right place.

Pet Care Insurance provides policies customized to the pet groomer industry through “A” rated insurance carriers.


The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.


Each Occurrence
Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.


The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libel a person or organization
  • Oral or written publication or material that violates a person’s right of privacy
  • The use of another’s advertising idea in your advertisement


The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.


Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.


Any One Premises

A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.


Any One Person

This provides your pet business with coverage in the event that you are legally liable for injuries or damages sustained by an animal in your care, custody, or control.


Each Occurrence
Aggregate Limit

This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.


Each Occurrence
Aggregate Limit

If you were to lose the keys to a client’s residence, this coverage could help you manage the cost of installing new locks or having the building rekeyed.


Each Occurrence
Aggregate Limit

* Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions.

Pet Groomer Insurance FAQ

groomer grooming poodle

What Is Pet Groomer Insurance?

Pet groomer insurance from Pet Care Insurance (PCI) includes coverages like animal bailee, general liability, and vet bill coverage. Optional coverages are available, which include broadened property coverage and employee dishonesty coverage —a coverage similar to being bonded, for an additional cost.

husky being brushed

How Much Does Pet Grooming Insurance Cost?

A basic pet grooming insurance policy starts at $178/year. However, there are additional options available for an additional premium. These options include adding coverage for additional insured's or employees, and obtaining increased coverage limits.

dog groomer smiling at dog

Do I Need Pet Grooming Insurance?

Pet and dog grooming insurance should be a crucial part of any groomers business. Not only does it protect you in the event that something goes wrong, but also presents you as a dedicated professional. Regulations may vary by state, but being insured is always a smart business move.

Is Pet Care Insurance the Best Option?

Liability Insurance for Pet Groomers Can Protect You and Your Career

You need insurance for your car, your home, your health, and your life, but did you know you also need it for your job?

Consider what would happen if:
A pet gets sick while in your care
Consider what would happen if:
A dog is injured during an appointment.
Consider what would happen if:
A pet owner is injured on your property.

Our policies can give you financial protection in case something goes wrong while you’re grooming a pet.

Our entire team is committed to you. With a trusted carrier and a team that is knowledgeable and friendly, we are the best choice for your insurance needs.

See what else we cover

Besides pet groomers, we also respond to many other professionals in the pet service industry, some of whom include:

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