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As a pet groomer, you know that your client's safety is always your top priority. But what happens if an accident occurs while you're caring for their furry friend? If you're not properly insured, you could be held liable for any damages caused - and that could mean serious financial trouble.
That's why it's important to invest in pet groomers insurance. Getting pet groomers insurance will provide you with the coverage you need in the event of an accident, helping to protect you from costly legal fees and damages.
How Much Does Pet Groomers Insurance Cost?
The cost of pet groomers insurance can vary, depending on the coverage that you select, the size of your pet grooming business, and a number of other similar factors.
The average pet grooming business in the United States pays around $40 per month or $480 per year for general liability insurance. This policy provides protection against third-party injuries, property damage, and other claims that may arise from your business operations.
If you employ staff, you have the obligation to take care of their well-being while at work. To do that, worker's compensation insurance is necessary, which costs the average pet grooming business $120 per month or $1,440 per year. This insurance provides cover for employees who are injured or become ill as a result of their work. Anything from their medical or hospital bills to lost wages will be covered by the insurance company.
Any physical business in the U.S. is also strongly advised to take out business owner's insurance. This policy protects you and your business from a number of potential risks, such as property damage, theft, and lawsuits. The cost of this policy varies depending on the size and type of business, but it usually runs between $200 and $1,000 per year.
Professional liability insurance is also a good idea for pet groomers. An E&O policy protects you if a customer or client sues you for damages that they allege have been caused by your negligence. The average cost of this policy is around $600 per year.
What Types of Insurance Do Pet Groomers Need?
In the United States, pet groomers can take advantage of a wide variety of insurance policies that are available to them. Generally speaking, the level of cover you need for your pet grooming business will depend on the size of your business, the number of staff you have, the number of company cars your business owns, and other similar factors.
Continue reading to find out the most popular pet grooming insurance policies for pet groomers in the U.S.
Why Do Pet Groomers Need Insurance?
While grooming animals might seem pretty simple - it is much more difficult than you think and carries a lot of risks. A single mistake can lead to injuring or cutting the animal, which can become grounds for a lawsuit from the client’s side if you are found to be at fault.
In other cases, if your pet grooming facility is damaged due to poor weather conditions and you don’t have an adequate level of cover - your business will be the one that has to pay for all the damages incurred.
And in some states, before you are even allowed to trade and take on clients - your pet grooming business needs to have a certain level of insurance to ensure that all parties involved are fully protected in case an accident happens.
Whatever the case might be - getting insurance is the best and most affordable way of protecting the financial standing of your business against any claims, lawsuits, or unexpected property damage.