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Dog Grooming Insurance
Cover from just £5.41 a month
FREE CANCELLATION! Limited Time Only!
To give you greater flexibility you will not be charged a fee should you need to cancel
your policy. T&C’s apply.
What does our Dog Grooming Insurance cover?
Whether you run a dog grooming salon, work in a grooming salon or operate on a mobile basis, our Dog Grooming Insurance policy is perfectly suited to financially protect you.
Your Dog Grooming Insurance policy will include a range of benefits such as Public Liability Insurance. This will cover the legal costs associated with defending yourself in court plus any damages that are deemed payable if you accidently injure someone or damage their property.
Care, Custody and Control cover up to £100,000 will offer protection against the accidental injury, illness or loss of an animal under your care. This benefit will come as standard on your policy.
Your Dog Grooming Insurance will also cover any specialist equipment that you use as part of your dog grooming business. We can cover your equipment up to the value of £30,000. Additional benefits include Loss of Key Cover and Non-negligent protection.
Get an instant quote for dog grooming insurance
Why choose Protectivity for pet grooming insurance?
Fast & Easy Process
We aim to make buying dog grooming insurance easy, that’s why you can get a quote for our Dog Groomer Insurance policy and buy your cover in just a few minutes.
14 Activities Covered
Whether you’re a pet groomer, dog walker or sitter, we provide cover for 14 different activities at no extra cost under the same dog grooming business insurance policy.
Specialists in the Pet Industry
We’re one of the leading providers of insurance for pet groomers, meaning our experienced team can provide the after-sales support you need.
Excellent Claims Handling
Our specialist claims handlers aim to deal with any claim you have, minor or serious, quickly, without causing disruption to your business.
What's included in our Dog Grooming Insurance policy?
Our Dog Grooming Insurance policy offers the following benefits:
Public Liability
Your choice of between £1 million and £10 million worth of Public Liability in case of injury or damage to a third party or their property caused by your business’s actions or by an animal in your care.
Key Cover
In the event that you lose a client’s keys, you are covered up to £10,000 for new keys, replacement locks, the cost of re-setting intruder alarms and associated call-out costs.
Care, Custody & Control
Up to £100,000 worth of cover is provided for the animals in your care (up to £25,000 per animal) in the instance of accidental loss, injury, illness or death of that animal in your care, custody or control or that of any of your staff.
Equipment Cover
As standard, we provide £250 of cover for your equipment against theft, loss and accidental damage, free of charge. You can increase the protection of your items up to the value of £30,000.
Non-Negligent Cover
Similar to the Care, Custody and Control benefit, Non-negligent cover will protect you against accidental loss, injury, illness or death to an animal in your care through no fault of your business.
Close Family Extension
Your close family members are included under your policy as standard. Therefore, if you employ your husband, wife, son, daughter or any other close family, you do not need to take out Employers’ Liability.
Legal Expenses
Employers' Liability
If you have any employees or volunteers in your business you will require Employers’ Liability insurance. Our Employers’ Liability benefit provides £10 million worth of cover, double the minimum legal requirement.
Why dog groomers need insurance?
Whether you run a dog grooming salon, work in one or operate on a mobile basis, our Dog Grooming Insurance policy is perfectly suited to financially protect you against typical risks associated running a grooming business.
Typical cover options that you might need, include: Equipment Cover, Employers’ Liability, Personal Accident and Professional Indemnity and Legal Expenses. Here are some examples of why these are important:
A member of the public gets injured accidentally.
As a dog groomer, you will need public liability insurance to protect you should a member of the public get accidently injured or their property is damaged by you or the animals in your care. You will also need Care, Custody and Control to protect you for claims stemming from injury, illness, or accidental death of the animals that your business cares for.
Protect your equipment from costly losses.
Investing in quality tools is likely to be important to your business. Not only could equipment be expensive to replace but any losses could also impact the service you offer. If your grooming equipment becomes damaged, is lost or stolen, dog grooming equipment cover can help avoid these situations.
Accusations of negligence.
A good insurance policy also protects against accusations of negligence or professional misconduct. For example, if a dog develops a skin reaction because of the grooming products used, and the owner alleges negligence, having insurance in place would help with this.
Vet costs for animals in your care.
Dogs can be unpredictable, and you may accidentally cause an injury during a grooming session, cutting a paw or tail for example. Whilst no one wants harm to come to any animal it’s important to ensure you are covered to get them treatment if accidents happen.
An employee suffers a workplace accident.
It’s a legal requirement to have employer’s liability insurance if you hire any staff. It covers compensation claims from employees who suffer injuries or become seriously ill due to their job. In dog grooming, potential risks include injuries from managing animals or from harmful grooming products.
Legal and compensation expenses.
Investing in quality tools is likely to be important to your business. Not only could equipment be expensive to replace but any losses could also impact the service you offer. If your grooming equipment becomes damaged, is lost or stolen, dog grooming equipment cover can help avoid these situations.
I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.
Fantastic claims handling
From a cut paw to something more serious, it’s never nice when something happens to an animal in your care. That’s why we’re committed to making our claims process as smooth and efficient as possible.
If you need to make a claim on your dog grooming insurance policy, just click the link below, select the relevant form and fill in the details and we’ll take it from there.
Check out our tips to running the perfect dog grooming business
Frequently Asked Questions
Q. Will my policy cover XL Bullies?
A. 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.
Q. Why dog groomers need insurance?
A. As a dog groomer, you will need public liability insurance to protect you should a member of the public get accidently injured or their property is damaged by you or the animals in your care. You will also need Care, Custody and Control to protect you for claims stemming from injury, illness, or accidental death of the animals that your business cares for. Additional cover options that you might need include Equipment Cover, Employers’ Liability, Personal Accident and Professional Indemnity.
Q. What does close family extension cover?
A. 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 included 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.
Q. When do I get my insurance documents?
A. We will email your insurance details immediately after you purchase. Upon request, we can also issue a copy by post.
Q. Is there a cooling-off period?
A. Yes, should you change your mind or wish to cancel your policy for whatever reason we offer a full refund within 14 days of purchase provided no claim has been made. Where cancellations are made after 14 days of the start date of the policy, the premium refund will be provided on a pro-rata basis and an administration fee will be charged.
Q. What is the process for making a claim?
A. In the first instance please contact our specialist claims handlers, Roger Rich & Co, on 01608 641 351 and they will instruct you further.
Q. What activities are typically covered under dog grooming insurance?
A. 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.
Q. Are there any specific dog breeds that are excluded from coverage for grooming?
A. 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.
Q. Do you cover against accidental injury or death of dogs while I’m grooming them?
A. 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.
Q. Is my grooming equipment covered under this insurance?
A. 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.
Q. Does this cover me if I accidentally damage a client’s property during a grooming session?
A. 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.
Q. Is there coverage for legal costs if I face a lawsuit related to my dog grooming business?
A. Yes, we offer coverage for legal costs and expenses incurred in defending against claims, subject to the insurer’s consent and the policy limits.
Q. What should I do if a dog is injured during a grooming session, and I need to make a claim?
A. 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.
Q. Does the insurance cover me if I operate a mobile grooming business?
A. Yes, as long as you operate within the United Kingdom only.
Further information on our policy
If you have any other questions regarding our Dog Groomer Insurance policy, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.