Animal grooming centers belong to a group of unique businesses that make up the pet care industry. This industry is made up of establishments that are primarily engaged in providing pet care services such as boarding, grooming, sitting, and training pets.
The last thing you’d want is for one unfortunate incident with an animal, or an event like a fire or a storm ruin all that you’ve worked for. In order to protect your reputation and your livelihood, you need tailored business insurance that addresses your unique exposures.
A local independent insurance agent can help you get the animal grooming center insurance that you need.
Why Do You Need Animal Grooming Center Insurance?
While you are entrusted with your customers’ special family members, you face numerous exposures to liability claims (situations where a person is injured because of your business, or situations where someone’s property is damaged because of your business). These types of situations often result in expensive lawsuits.
What’s more, you need to be able to repair and replace damaged property if you experience a fire, severe weather, water or wind damage, or some other type of devastating event.
You need comprehensive, tailored animal grooming center insurance to help protect your livelihood from numerous costly disruptions.
What Does Animal Grooming Center Liability Insurance Cover?
Animal grooming centers face two main liability risks:
- Injuries or property damage resulting from the general public’s presence on your premises
- Injuries or property damage involving unpredictable pets coming into contact with other customers and sharing space with other animals on your premises
If for any reason a person or a pet is injured because of your business or on your property, or if your business is responsible for causing damage to someone else’s property, you can be sued by the injured party. Then you’ll need to pay for an attorney to defend you, and may be required to pay financial restitution to the injured party.
Lawsuits, even when minor, are very expensive and can easily destroy the viability of your business.
You need commercial general liability insurance to protect you from lawsuits. It provides broad liability protection for third party bodily injury and property damage. It pays for your legal defense, third party medical bills, settlements, and judgments. CGL insurance also Includes coverage for claims of advertising liability, libel, and slander.
Some examples of incidents where animal grooming center liability insurance can help you include:
- A customer is injured after tripping and falling on your premises
- A customer is bitten by another customer’s dog
- A dog gets loose from your building, runs into the street, and causes a car crash
You may also need a variety of other special liability policies or coverage endorsements in order to make sure that all of your risks are addressed. You might, for example, need animal groomers professional liability insurance, or errors and omissions insurance. This is tailored liability coverage that protects you if a client claims you have been negligent in providing professional services.
Regardless of whether or not you are at fault, you will still need to pay for your legal defense. Animal groomers professional liability insurance will help with those costs, as well as any settlements or judgments that you are required to pay.
What Does Animal Grooming Center Property Insurance Cover?
As an animal grooming center owner, you’ve likely invested a lot in your physical space and the equipment you need to do business. You need commercial property insurance to repair or replace lost, stolen, or damaged property in instances of fire, certain weather events, smoke, theft, or vandalism.
Even if you rent your space, you still need property coverage for your business personal property—or the contents of your space—including office furniture, waiting room furniture or fixtures, grooming and washing stations, shampoos and grooming tools, leashes, kennels and crates, and other contents on your premises.
Your business property policy should also include business interruption coverage, which provides income protection if you must temporarily cease operations due to a covered loss (a property loss due to a fire, a severe weather event, etc.).
You might be eligible for a business owners policy (BOP). The BOP is a convenient package policy that includes commercial liability insurance, commercial property insurance, and business interruption insurance (pays for business expenses lost income related to a temporary shut-down of your business due to a covered event). If you qualify for a BOP, you can still add endorsements or purchase any additional coverage that you might need.
What is Animal Bailee’s Coverage?
What if an animal in your care runs away or is stolen, lost, or injured?
Animal bailee’s coverage is insurance designed for animal grooming centers and others in the pet services industry that temporarily take possession of other people’s pets, with the expectation that they will be returned unharmed.
Animal bailee’s coverage provides protection where your standard property policy does not. Your business property policy will not pay for costs related to an injury, death, or loss of a customer’s pet—or other people’s property that is in your care, custody, or control. Bailee’s coverage may pay for resulting veterinary costs if an animal is injured or becomes ill while in your care, and may even pay for costs related to lawsuits after such an incident.
Special Coverage if You Offer Mobile Grooming Services
Some animal grooming centers offer mobile grooming services in addition to the services provided in a brick-and-mortar location. Mobile animal groomers are very unique businesses with a special set of risks that are different from the risks you face in a physical location.
Mobile animal groomers typically utilize a specially equipped van or trailer to transport grooming equipment from home to home. The grooming services are performed inside of the vehicle, as well. If something happens to the vehicle or the equipment inside of it, your mobile grooming services will quickly come to a halt while you're also faced with repair costs.
Your mobile grooming vehicle is highly susceptible to break-ins, accidents, vandalism, theft, weather events, and more. You need insurance coverage to protect your animal grooming van and equipment, as well as liability insurance just like other animal groomers.
- Commercial general liability insurance is necessary for broad liability protection.
- Bailee’s coverage protects you if animals are injured, lost, or stolen while in your care.
- Professional liability insurance protects you from claims of negligence, errors, and omissions in your services.
- Commercial auto insurance protects your mobile grooming van in the event of accidents and other collisions (e.g., you hit a customers’ mailbox, a tree falls on your van), theft, vandalism, and weather events (e.g., hail, windstorm). It pays for repairs to your vehicle as well as medical bills, legal fees, and settlements or judgments that you are required to pay.
- Inland marine insurance protects grooming equipment and other business property inside your van, and in some cases the van itself. Standard commercial property insurance does not cover your business property while it is mobile; rather, you need inland marine insurance to protect the tools and other equipment you use in your work everyday. (Commercial auto insurance does not cover this equipment either.)
Do You Need Any Other Animal Grooming Center Insurance?
Animal grooming centers may face additional risks other than those described above. For example, any groomer who has employees will likely need workers’ compensation insurance to protect employees who are injured on the job. Your employees face all kinds of risks, from dealing with multiple, unpredictable pets, to slips, falls, and repetitive motion injuries. This valuable insurance protection is required for most businesses that have employees, and will keep you from being sued if an employee is injured while working for you.
You may also want to look into commercial umbrella insurance, or excess liability insurance. It provides an extra layer of liability protection above and beyond the limits of your CGL and certain other liability policies. It kicks in and provides coverage when those other applicable policies have been exhausted. If you are involved in a significant claim or lawsuit, this coverage can be the difference between staying in business and closing up shop for good.
Commercial auto insurance needs will vary among animal grooming centers. If your business owns autos of any kind, you need commercial auto insurance. What’s more, if you or any employees drive personal vehicles for business purposes, you need non-owned auto liability coverage.
Talk to your independent insurance agent about how vehicles and driving are involved in your day-to-day operations in order to obtain the best coverage for your needs.
How Much Does Animal Grooming Center Insurance Cost?
In general, animal grooming center insurance costs will vary depending on the size of your business, the number of employees you have, the amount and value of your commercial property, the location of your business, and a variety of other variables.
If you offer mobile animal grooming, you’ll have additional business insurance needs.
An independent insurance agent can guide you though your options so you get coverage that meets your needs and budget.
Benefits of an Independent Agent
Our agents simplify the search process for finding the right animal grooming center insurance. They’ll walk you through the handpicked policy options and explain the details.
Most importantly, they’ll be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Information on Online Quotes
Online quotes can be tempting. They are fast and easy to get—but are they accurate? And are you getting quotes for the right coverage? For business owners, choosing speed over accuracy can cost you.
Online quotes can’t and don’t see the whole picture. They can leave out important coverage that will leave you devastated if something unexpected happens. And they can leave out cost-savings opportunities that an agent can help you take advantage of.
Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.
TrustedChoice.com Article | Reviewed by Paul Martin
©2021, Consumer Agent Portal, LLC. All rights reserved.