Pet Grooming Insurance
Pet grooming insurance that protects your grooming business and the pets in your care.
$23.03/ month
Shed your worries with coverage that cares
- Designed for in-home, mobile, and salon groomers
- Protection for pets in your care + vet reimbursement
- Customizable liability coverage to fit your business
- Fast proof of insurance (COI)
Backed by
Business Insurance for Dog Groomers (and Cat Groomers, Too!)
Sharp shears, loud hairdryers, and squirmy pets don’t mix, so your expertise as a groomer or pet salon owner is vital to keeping animals clean, comfortable, and looking their best.
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$2 Million General Liability + Professional Liability Limit
Covers client property damage and injuries, plus your services -
Pet Protection Coverage (Animal Bailee) (+ optional higher limits)
Pays for accidents and injuries to pets in your care -
Veterinarian Reimbursement
Gets pets the help they need (and gets you a refund) -
Lost Key Liability Coverage
Handles rekeying costs when you’re locked out
Protection for wherever you work. Dog grooming insurance from PCI covers you whether the pets come to you or you go to the pets. This policy doubles as mobile dog grooming insurance to protect you in the salon, on the go, or in clients’ homes.
Buy Online in 10 Minutes or Less
Downloadable Certificate of Insurance at Checkout
Employee Dishonesty Coverage
(Similar to Bonding)
Trusted by Over 15,000+
Pet Care Businesses
Accidents Can Cost You
But they don’t have to. Our pet grooming insurance covers you when pets get injured or sick under your care. We protect you while you focus on the pets.
Covered.
Covered.
Covered.
Covered.
Covered.
Pet Grooming Insurance Overview
What Is Pet Grooming Insurance?
Pet grooming insurance (also called dog grooming insurance) is a type of liability coverage tailored to protect pet groomers while working with pets and running a business. Pet groomer insurance from PCI includes these core coverages:
- General Liability Insurance helps cover bodily injury and property damage to others (like a client who slips on your wet salon floor)
- Professional Liability Insurance is protection against client claims that a grooming mistake or miscommunication cost them money
- Pet Protection Coverage (Animal Bailee) helps with legal defense and claim costs if a pet in your care is lost, injured, gets sick, or even dies
- Veterinarian Reimbursement pays you back for emergency vet bills if a pet is injured during grooming
- Lost Key Coverage helps pay for a locksmith if you get locked out on a home visit or mobile grooming job
For more about what’s included and your limits, see the coverage details.
As long as you qualify (here’s who we cover), you can get a Certificate of Insurance (COI) online for fast, easy proof of coverage. It takes around 10 minutes to get a quote, and coverage can usually start the same day.*
*Note: Pet Protection and Veterinarian Reimbursement have a 7-day waiting period.
What Does Pet Grooming Insurance Cover?
Insurance for dog groomers covers injuries, damage, mistakes, and lawsuits related to your business. Think of it like a safety net that absorbs some of the cost for claims like hospital, vet, or repair bills if something goes wrong. That way, your business can bounce back quickly.
Here are a few things your pet groomers insurance can cover:
- Emergency vet bills for pets in your care
- Pets who get lost, injured, sick, or even die while in your care
- Legal defense and lawsuit costs
- Pet-on-pet injuries
- Overnight care
- Damage to a client’s property
- Client injuries in your salon
Locksmith bills
What We Can’t Cover
Like any policy, dog grooming insurance can’t cover everything. For example, we can’t cover boarding for more than five pets at a time or for more than 30 days in a row. See the full list on our exclusions page.
How Much Does Pet Grooming Insurance Cost?
Insurance for dog groomers costs as little as $23.03/month or $255.40/year. Your price will depend on factors like:
- Business size: Businesses that make more money have more to protect, so your coverage needs to reflect that
- Mobile vs salon or in-home grooming: Mobile grooming starts at $27.11/month to take into account your extra risks
- Claims history: If you’ve filed business claims before, your cost may be higher
- Extra coverage you add: Customize your policy to cover other pet services, staff, grooming trailers or vans, and more
You can personalize your policy with any of these extra protections:
- Workers Compensation Coverage: free custom quote
- Commercial Auto Insurance: free custom quote
- Broadened Property Damage Insurance: $2.42/month
- Equipment & Inventory Coverage: three options, starting at $4.08/month
- Additional Pet Protection Coverage: three options, starting at $1.99/month
Additional Veterinarian Reimbursement: $3.99/month - Employee Dishonesty Coverage: $4.92/month
- Cyber Liability Insurance: $6.58/month
- Employee Coverage: $2.08/month
- Independent Contractor Coverage: $4.17/month
- Additional Insureds: $10 for unlimited additional insureds
Do I Need Dog Grooming Insurance (or Something Else)?
Yes, every groomer needs insurance. Pet grooming is an art, and your canvas moves at inappropriate times. Dog grooming insurance accounts for unpredictable pets and presents you as a prepared professional. You may also need it to meet contract requirements for pet store, salon, or dog daycare facilities.
Here’s how pet grooming insurance can cover different kinds of grooming:
- Do I need separate cat groomer insurance? Nope. PCI’s pet groomer policy covers dog and cat grooming. As long as your furry client isn’t on our list of excluded animals, you’re all set!
- I’m a mobile groomer. Will this policy work for me? We suggest our mobile pet groomer insurance for protection designed for on-the-go groomers. You might also be interested in add-ons to cover your trailer, van, driving risks, or mobile gear.
Who Needs Pet Grooming Insurance?
You need pet groomer insurance if you operate a business that cares for animals’ hygiene and appearance. We cover these types of pet groomers and more:
- Solo pet groomers
- Dog grooming salon owners
- Salon booth renters
- In-home pet groomers
- Mobile pet groomers with grooming vans or trailers
- Groomers in training
- Independent contractors and part-time groomers
From mobile grooming franchises to solo groomers renting a salon table, if you run a grooming business or work for yourself, dog grooming insurance from PCI is for you.
Protect Your Passion with Dog Grooming Insurance
Need specialized business insurance for dog groomers? You’re in the right place. Check our coverage details to see how each part of your insurance works.
Limits of Insurance
General Liability Coverage
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.
Limit per Incident: $1,000,000
Limit per Year: $2,000,000
Animal Liability Limit
The most your policy will pay in a year for bodily injuries and property damage to others because of an animal in your care
Limit per Incident: $100,000
Limit per Year: $200,000
Products-Completed Operations 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.
Personal and Advertising Injury Limit
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
Each Occurrence Limit
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.
$1,000,000
Damage to Premises Rented to You Limit
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: $100,000
Medical Expense Limit
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: $5,000
Pet Protection (Animal Bailee) – Animals in Your Care, Custody, or Control
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.
Limit per Incident: $2,500
Limit per Year: $5,000
Veterinarian Expense Reimbursement (Regardless of Fault)
This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.
Limit per Incident: $1,000
Limit per Year: $2,500
Deductible: $250
Lost Key Liability Coverage
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.
Limit per Year: $2,000
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.
Why PCI for Pet Grooming Insurance?
Did you know: Most generic business insurance doesn’t cover animals in your care, custody, or control. That means many grooming businesses have a serious coverage gap that puts legal costs and vet bills for pet injuries back on them.
PCI specializes in insurance for pet care professionals. We understand your risks and tailor policies to cover pet groomers from nose to tail.
Get affordable coverage online and update it anytime. With support from our top-rated carrier and licensed customer service agents, PCI gives you peace of mind from cart to claim.
You're in Good Company With Pet Care
See What Else We Cover
Thinking of expanding your dog grooming business? We also insure pet care pros like these:
Pet Groomers Insurance FAQs
Does This Policy Cover Mobile Pet Groomers?
Yes, this policy can double as mobile pet groomer insurance. When you apply:
- Select mobile grooming as your business type
- Add grooming trailer coverage, if you need it (we have three limits to choose from)
What Factors Affect the Cost of My Insurance?
Your insurance cost may go up when you hire staff, add coverage, or increase your limits. PCI dog grooming insurance is designed to scale with you for affordable coverage at every stage of your pet care journey. Just use your online dashboard to update your policy anytime.
Is Pet Groomers Insurance Required by Law?
You aren’t legally required to have dog groomer insurance, but chances are good that you still need it. Showing proof of insurance is often a contract or hiring requirement for grooming businesses, and it’s necessary to protect your career and finances.
Explore dog groomer information by state to discover your local regulations and resources.
What If I Need to File a Claim?
Filing a claim online is quick and easy with PCI:
- Log in to your online user account
- Go to “Manage Policies”
- Click “File a Claim”
- Fill out the form and hit submit
A customer service representative will typically reach out to you within 1–2 business days. Are you an additional insured? Call 844.520.6990 for help from a U.S.-based customer service rep.
Does this cover grooming accidents like cuts, nicks, burns, or clipper irritation?
Yes, pet grooming insurance from PCI is designed to protect you and pets in your care if there’s an accident during grooming. Common grooming claims we see include accidental cuts and nicks, skin irritation from clippers or shampoos, and similar accidents.
Your coverage includes Pet Protection Coverage for pet injuries during grooming, plus Veterinarian Reimbursement for emergency vet bills.
Does pet grooming insurance cover employee mistakes?
Yes, you can also cover your staff for accidents during grooming with Employee Insurance or Independent Contractor Insurance. Here are a few other employee protections you might be interested in:
- If you’re a mobile grooming business owner, consider adding Commercial Auto Insurance to cover your employees while they’re driving for work.
- To protect your team against on-the-job injuries, we also offer Workers Compensation Coverage.
- To protect your business against employee theft, consider Employee Dishonesty Coverage.
Can I get a COI for a contract with a salon or pet store?
Absolutely. When you buy a PCI policy, you can download a Certificate of Insurance (COI) at checkout to quickly meet salon, pet store, boarder, or other contract requirements.
Are there any breed restrictions on covered pets?
Nope, PCI doesn’t refuse to cover any dog because of breed. However, we don’t cover individual dogs with a documented history of aggression or a “dangerous dog” designation from the local authorities. We care about the safety of your staff and the pets in your care, not about stereotypes.
Insurance for Dog Groomers
Pet grooming is rewarding, but it’s not without risk. Get dog groomers insurance today!