Dog Grooming Insurance

Hand stripping is included under standard dog grooming services, so no additional insurance is required. Equipment used during hand stripping is also covered under the equipment protection policy.

No, grooming cats is included in the standard coverage for dog grooming services. Your policy already includes both dog and cat grooming, so no separate insurance is needed unless you specialise in other exotic species.

Exotic pets, such as reptiles or birds, are considered non-domestic animals and are not covered under standard policies.

It is recommended to review your health and safety compliance annually or whenever significant changes are made to your business practices, such as adding new services, equipment, or staff. Staying updated ensures that your insurance remains valid and your business complies with legal standards.

While cancellations themselves are not covered, having insurance ensures you’re protected if a pet becomes ill or behaves aggressively during grooming. For instance, the Care, Custody & Control cover provides protection for incidents such as illness or injury to a pet in your care.

Yes, your policy can cover temporary staff or work experience students under the Employers’ Liability cover.

No, we cannot offer cover to hold pet grooming training courses.

Dog grooming insurance can cover freelance or salon-based groomers; however, it cannot cover a salon premises or fixed equipment. If you employ dog groomers, you will need to select employers’ liability cover.

Yes it will cover a pets personal items within normal expectations, anything out of the normal expectation that is left with a dog however would not be covered whilst in your care. For example a pets collar, lead, travel crate would be fine but your customers handbag, jewellery and keys are not things you typically leave with a pet.

You do not require a qualification to do dog grooming, however it may be beneficial for you and the dogs you groom if you do attend a course in grooming, styling or animal welfare.

Yes, as long as you operate within the United Kingdom only.

You should notify us as soon as practicably possible after becoming aware of any incident that might lead to a claim. We usually require you to provide full information in writing about the incident and any damages claimed.

Yes, we offer coverage for legal costs and expenses incurred in defending against claims, subject to the insurer’s consent and the policy limits.

Yes, the public liability section of the policy generally covers damage to property for which you are legally liable, subject to certain conditions and exclusions.

Yes, we offer coverage for Business Equipment, which includes grooming specific equipment, mobile devices, stock, or tools of trade specifically purchased for and used in connection with your grooming business.

Yes, our policy includes coverage for accidental death, bodily injury, illness, or disease of animals in the care, custody or control of the Insured. This is typically limited to £25,000 per animal and subject to the overall limit of liability stated in the policy schedule.

Yes, our insurance excludes dogs classified under the Dangerous Dogs Act 1991 or any subsequent legislation, as well as cross breeds involving such classified dogs.

Our dog grooming insurance typically covers activities such as hand scissoring, clipping, wash & blow drying, hand stripping, de-shedding, nail cutting, ear plucking & cleaning, anal gland expression, and pet tooth brushing.

If you employ any of the following members of your family, they too will be covered for Public Liability under your policy as standard. You do not need to take out Employers’ Liability to cover those family members either. If, however, your business is a limited company and the family members are directors and/or employees/volunteers, the close family extension will not apply.

Close Family members defined as: Husband, wife, civil partner, father, mother, grandfather, grandmother, stepfather, stepmother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother, sister, half-brother or half-sister.

We are no longer able to cover XL Bullies under our Pet Business insurance for our customers at all as our policy product excludes the care of dog breeds on the Dangerous Dogs Act or any cross breeds of these dogs.