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Pet Grooming Services

Pet grooming businesses perform various grooming procedures on clients' dogs and cats, including bathing, fur cutting, ear cleaning and nail clipping. Some pet grooming shops offer more elaborate services, such as nail painting, fur coloring and curling. Services may be performed on-site or at clients' homes.

General Liability Insurance for Pet Grooming Services – Customers who visit pet grooming services are subject to slipping and falling if the premise’s conditions are poor. Sidewalks, parking lots, and other walkways should be well lit and free of defects such as uneven surfaces, cracks, holes, trash, etc. Also, pet-grooming services may face lawsuits from customers if they use defective products or handle pets improperly. Such behavior could lead to pet injuries, sicknesses or death.

Workers’ Compensation Insurance for Pet Grooming Services – Employees of pet grooming businesses could become injured or sick due to work-related duties. Possible scenarios include injuries due to falls or heavy lifting, coming into contact with hazardous substances and being bitten by animals. Animals could have fleas or carry diseases that could potentially affect employees of pet grooming services.

Business Auto Insurance for Pet Grooming Services Pet grooming service employees may use vehicles as part of their work, and if this is the case, automobile accidents may be a concern. All driver MVRs should be checked against objective disqualification criteria. If pet pick-up and delivery services are provided, then employees should receive adequate training to properly secure the pets in order to prevent a hazard to the drivers.

Property Insurance for Pet Grooming Services – Fires could start in these businesses if electrical equipment and wiring is not properly installed or maintained; employees and customers smoke indoors or flammable materials such as aerosols are not properly stored. Valuable materials that have the potential to be lost include signs, equipment, accounts receivable information and important documents. Specialized Inland Marine property coverage will likely be needed as a result. In addition, if a pet grooming service’s property is damaged to the point where business cannot be conducted, a business income loss will result.

Crime Insurance for Pet Grooming Services – Embezzlement and theft of money and securities are the major crime risks posed to pet grooming services. Cash registers should be monitored and all incoming checks should immediately be stamped “for deposit only”. Pet grooming services should pre-screen employees with detailed applications and reference checks in order to reduce the risk of employee dishonesty.

Insurance Policies To Consider:


Sadler & Company, Inc, Insurance Services, Columbia, SC