Get Reliable Dog Grooming Business Insurance to Protect Clients, Equipment & More
Handling pets, sharp tools, and unpredictable behavior means dog grooming comes with unique risks. Dog grooming insurance protects your business from liability claims, injuries, or property damage that can occur during appointments. Whether you operate from a salon or offer mobile services, the right dog grooming business insurance helps keep your tools and your reputation safe.
What Kind Of Dog Grooming Business Insurance Do You Need?
Dog grooming business insurance includes a range of coverages designed to protect your business from common risks such as third-party injuries, property damage, veterinary bills, and legal fees. These policies help safeguard your finances and give clients confidence in your services.
Key types of coverages to consider for your dog grooming business include:
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General Liability Insurance – Covers third-party injuries and property damage.
- Business Owners Policy– General liability and business equipment coverage all in one.
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Professional Liability Insurance – Protects against claims of negligence or missed services.
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Animal Bailee Coverage – Covers costs if a pet in your care is lost, stolen, or injured.
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Workers’ Compensation – Required if you employ walkers, covering medical expenses and lost wages for job-related injuries.
- Business Income Interruption – Helps replace lost income and cover ongoing expenses if your operations are temporarily halted due to a covered event.
Why Do You Need Dog Grooming Business Insurance?
Dog grooming business insurance is essential for anyone who wants to run a safe, professional, and trustworthy pet care business. It protects you from the risks that come with working with animals, while also showing pet owners that you take your responsibilities seriously.
Here’s why having coverage matters:
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Accidents & Injuries – Nervous dogs may move suddenly, leading to accidental cuts or injuries during trims.
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Property Damage – Pets can damage grooming tables, clippers, dryers, or even a mobile grooming van.
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Legal Claims – Owners may sue if they believe their pet was harmed or became ill under your care.
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Employee Injuries – Groomers face bites, scratches, back strain, and repetitive motion injuries.
How Much Is Dog Grooming Insurance?
Dog grooming insurance costs can vary, but generally, Gild Insurance customers’ policy coverages start at $250 annually.
Here are a few factors that influence dog grooming business insurance:
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- Location
- Services offered
- Business size and revenue
- Employee count
- Claims history
The best way to find your dog grooming insurance cost is to get a free, online quote in minutes!
How To Get Dog Grooming Insurance With Gild?
At Gild, we focus exclusively on small businesses. That means every policy, recommendation, and conversation is tailored to the unique needs of business owners like you. Our goal is to make insurance simple, affordable, and effective so you can focus on growing your pet service business with confidence.
Here’s how to get the best dog grooming insurance with us:
- Hassle Free: Get your free, online quote in minutes!
- Tailored Coverage: We design policies specifically for small businesses, whether you are a mobile groomer or managing a small team.
- Affordable Protection: We compare options from top carriers to deliver comprehensive coverage that fits your budget.
- Small Business Expertise: Because we only insure small businesses, we understand your challenges and build solutions that truly protect you.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Dog Grooming Insurance Today!
Don’t wait for an unexpected incident to put your life coaching business at risk. With dog grooming insurance from Gild, you get more than a policy. You get a partner who understands the work you do and helps you protect the pets you care for.
Frequently Asked Questions
Dog groomers handle live animals, sharp tools, and frequent customer interactions. The core policies include:
- General Liability – Protects against third-party injury or property damage claims (like a client slipping in your shop).
- Animal Bailee Coverage – Specialized protection if a pet is injured, lost, or harmed while in your care.
- Commercial Property Insurance – Covers your grooming salon, equipment, and supplies against fire, theft, or vandalism.
- Workers’ Compensation – Required in most states if you have employees; covers workplace injuries like bites, cuts, or repetitive motion strain.
- Professional Liability Insurance – Protects against negligence claims tied to grooming services.
- Business Owner’s Policy (BOP) – A package that combines liability and property insurance, often at a lower cost.
How much does dog groomer insurance cost on average?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does dog groomer insurance cover pet injuries, property damage, or accidents during grooming?
Yes, with the right coverages:
- Animal Bailee Coverage protects pets in your care if they are injured or harmed.
- General Liability covers third-party property damage or client injuries inside your shop.
- Workers’ Compensation helps cover staff injuries, such as bites or burns from dryers.
- Commercial Property Insurance protects your building and grooming equipment from covered events.
Is dog grooming insurance required by law, or for working with apps/salons/grooming contracts?
- Workers’ Compensation is legally required in most states if you hire employees.
- Landlords typically require general liability before leasing space for a grooming salon.
- Mobile groomers may also need commercial auto insurance to operate legally.
- Some pet service contracts, boarding facilities, or franchise agreements require proof of coverage to protect both the groomer and their partners.
Let's Get The Best Insurance For Your Business!

Dog Grooming Insurance for Mobile & Salon-Based Groomers 

