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Pet Grooming Insurance

When the fur starts flying, you’re protected with pet groomers insurance.

Protect your business and your four-legged clients with pet grooming insurance.

Most popular

$23.03/ month

As low as $255.40/year!
4.9/5
4.9/5

Backed by

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Industries Covered
0 +
Professionals Trust PCI
500 +
Years of Experience
0

Business Insurance for Dog Groomers (and Cat Groomers, Too!)

$2,000,000 General Liability Aggregate Limit

Covers property damage and harm to people

Pet Protection Coverage (Animal Bailee) (+ options for increasing 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

Accidents Can Cost You

Pet Grooming Insurance Overview

What Is Pet Groomer Insurance?

cute dog face with dog groomer hands
Pomeranian getting a haircut

What Does Pet Groomers Insurance Cover?

How Much Does Dog Grooming Insurance Cost?

dog getting a bath at home
dog being groomed with shears

Do I Need Dog Grooming Insurance (or Cat Grooming Insurance)?

Who Needs Pet Groomer Insurance?

close up of cat getting claws clipped

Protect Your Passion with Dog Grooming Business Insurance

Need specialized business insurance for dog groomers? You’re in the right place! Our coverage is designed to cover common pet grooming claims and meet insurance requirements.

Limits of Insurance

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

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.

$2,000,000

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
$1,000,000

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

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

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

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

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

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 Incident: $2,000

Limit per Year: $2,000

Is Pet Groomers Insurance the Best Option?

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You lost your client’s key during a latch-key mobile grooming appointment.
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Lost Key Coverage may help you cover the cost of new lock installations or rekeying services.
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An animal dies due to your negligence.
Oh No! text graphic
Animal Bailee is coverage for injury or damages sustained by an animal in your care.
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An animal is injured at your grooming facility.
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Vet Bill Reimbursement provides coverage for medical expenses up to $1,000 per occurrence.

You're In Good Company With Pet Care Insurance

Animal lovers love us. Check out these reviews from some of the 14,000+ pet pros who trust PCI.

Beyond Dog Grooming: See What Else We Cover

Pet Groomers Insurance FAQs

You can customize this policy to double as mobile pet groomer insurance. Choose our pet groomer insurance policy in your online application, then we’ll give you three options for insurance coverage limits to fit your mobile grooming trailer. Getting covered for pet grooming on the go is that easy!

As your business grows, you may hire staff, add coverage, or increase your limits – these factors will affect your insurance cost. The good news: PCI dog grooming insurance is designed to scale with you. We offer easy-to-add coverages as you move from solo groomer to small company, with protection tailored to every stage of your pet care journey. (And all at lower prices than other insurance providers.)

You aren’t legally required to have pet 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 absolutely necessary to protect your career and finances. Explore dog groomer information by state to discover your local regulations and resources.

Filing a claim online is quick and easy with PCI:

  1. Log in to your online user account
  2. Go to “Manage Policies”
  3. Click “File a Claim”
  4. 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.

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Insurance for Dog Groomers

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