In this article, we’d like to present you with objective information to help you decide whether you should insure your dog grooming business and which insurance plan should you pick.
Keep in mind that we are not affiliated with any of the insurance companies. The ones we choose were chosen based on our own research.
The benefits of dog grooming insurance
Protect your business
Life is very uncertain and has a way of throwing surprises at you when you least expect it. In order to be fully prepared to deal with the contingencies in life, insurance is essential. For example, if you are a groomer and a client trips and sustains an injury whilst in your premises, you could be found to be at fault. This can be catastrophic for any business owner, and just not worth the risk when you see how affordable insurance can be.
Or what if it’s a dog and not a wet floor that causes damage? Dogs can also cause injury and damage. It is vital that your dog grooming business has the correct kind of insurance that covers you in case you accidentally injure or lose an animal whilst it is in your care – or if something happens to a customer!
Essentially, it comes down to managing risks. Insurance provides effective risk management in life and business, and allows us to plan for the possible occurrence of an accident. From damaged equipment to loss of your license, various risks can be dealt with when you have an effective insurance policy.
Show your clients you care
Be it either treatments or advice, when it comes to their dogs, your clients expect precision and expert care. Since insurance companies compensate clients when a misfortune occurs, one does not need a trained eye to realize that being insured will result in more clients. Insurance is a safety net that lets entrepreneurs explore opportunities. Let your customers know they’re covered against any event when they come to you.
Insurance Protects small businesses
If something goes wrong, it’s usually big businesses that will be able to survive. They can take a hit, which is not the case for smaller businesses and startups. With insurance, however, they are able to receive support if they want to take a risk. This allows smaller businesses to stay competitive while being able to take risks to improve commerciality.
Getting a business insurance quote
Most insurance providers will request comprehensive information about your business before giving you a quote. The information requested varies depending on the provider, but in general, you will be asked to submit some of the following:
Is your company a partnership, a sole endeavor or an Ltd. ?
What is your ZIP code?
What plans are you interested in?
Where is your business based in?
What is your contact information?
What is your business yearly turnover?
How much does insurance for dog groomers cost?
Costs are heavily dependent on the plan you are looking for. The average dog grooming insurance cover varies between £120 to £235 yearly. Of course, more expansive coverages are offered to business owners who want to upgrade their safety to the next level.
If you are looking for the bare minimum when searching for insurance, then we recommend you get at least a package that offers both Medical Coverage (make sure it encompasses both person and dog-related injuries), and Veterinarian Coverage. Damage and illness-related problems are the most common kind that occur when dealing with dogs, and this way you are covered on every corner.
Accidents happen – protect your business.
The best options you have:
Cliverton grooming insurance
What they cover
• Medical Coverage
Cliverton grooming Insurance covers any injury to a third party.
• Business Interruption
Cliverton grooming insurance compensates you for loss of income if your company has to vacate the premises due to disaster-related damage.
• Veterinarian Costs
Veterinarian costs and fees incurred by a dog in your care will be covered.
• Equipment Cover
Costs related to third party injuries are covered.
• Legal Cover (Optional)
Covers costs related to lawsuits realized by clients.
• 3rd Party Property Damage (Optional)
Frees you of liability in case a dog in your care damages external property.
What they don’t cover
• Travel Costs
Unforeseen travelling costs your clients incur because of dog related reasons will not be covered.
• Refund policy
Cliverton Insurance doesn’t give away specifics details about their refund policy.
Thimble insurance
What they cover
• Medical Coverage
Dog Grooming Liability Insurance covers any injury to a third party.
• 3rd Party Property Damage
Frees you of liability in case a dog in your care damages external property.
• Defense Costs
Covers any costs related to lawsuits realized by clients.
• Equipment Cover (Optional)
Costs related to third party injuries are covered by Thimble.
• Veterinarian Costs (Optional)
Veterinarian costs and fees incurred by dogs in your care will be covered.
What they don’t cover
• Business Interruption
There is no available coverage for this kind of event in any of Thimble dog grooming insurance plans.
• Travel Costs
Unforeseen travelling costs your clients incur because of dog related reasons will not be covered.
• Refund policy
Thimble doesn’t give away specifics details about their refund policy.
Pet Business Insurance
What they cover
• Medical Coverage
Pet Business Insurance covers any injury to a third party.
• Equipment Cover
Costs related to third party injuries are covered by Pet Business Insurance.
• Travel Costs
Any unforeseen travelling costs your clients incur because of dog related reasons will be covered.
• Refund policy
Pet Business Insurance offers refunds on unused plan time, free of any administration fee.
• Legal Cover (Optional)
Covers costs related to lawsuits realized by clients.
• Veterinarian Costs (Optional)
Veterinarian costs and fees incurred by dogs in your care will be covered.
What they don’t cover
• Business Interruption
There is no available coverage for this kind of event in any of Pet Business Insurance dog grooming insurance plans
• 3rd Party Property Damage
Pet Business Insurance doesn’t offer information about whether or not they provide this insurance class.
How We Chose the Best Dog Grooming Insurance Companies
User reviews, commercial availability, and overall responsiveness are not the only metrics involved when assessing the quality of an insurance provider. For example, we also looked at the terms and contract lengths different establishments offered. None of the above companies have a minimum contract term, which means you can sign with a provider for a shorter term than you’d normally be able to. None of those pesky 12-month minimum contracts. Gauge how satisfied you are with the insurance you signed with, and freely switch from providers while you find the most appropriate for your business.
Glossary of insurance terms
Business Interruption
Business Interruption protects the policyholder against lost profits as a consequence of external events that impede you from working. The definition of an external event varies depending on the insurance company.
Medical Coverage
Medical Coverage encompasses any injury to persons other than employees. Some companies distinguish between injuries incurred by clients and by non-related third parties.
Veterinarian Costs
Covers veterinary fees for treatment where the animal shows clinical signs of illness. Depending on your insurer, some medical procedures might not be covered (e.g. vaccinations or funeral costs).
Equipment Cover
Equipment insurance covers portable tools, utensils, and general equipment essential for your business against loss or damage caused (varies by insurance companies) by external events; earthquakes, fire, theft, and the like.
Legal Cover
Expenses you incur due to legal disputes that proceed to court will be covered. Including but not limited to solicitors and legal adviser costs and loss of earnings due to court attendance.
3rd Party Property Damage
Should any of the dogs on your care damage property not belonging to you or your business, insurance will cover part or all of it, depending on your insurance provider.
Travel Costs
Travel cost insurance covers expenses related to a client having to travel due to unforeseen circumstances (e.g a dog escaped from your care).
Refund policy
Different providers have their own guidelines and rules about refunds. This fluctuates from provider to provider, with most not disclosing the nature of their policies.
Summary
If you have any additional inquiry about the companies we presented here, they also have a lengthy and well-detailed FAQ section that can probably answer any further questions you might have.
There is a swarm of insurance providers available for dog groomers, and only a handful of them are any good. We hope this review helps you in choosing a provider that suitably adapts to your needs.
