Dog grooming business insurance costs vary based on coverage type, helping you make smarter budget decisions. MoneyGeek's analysis shows monthly premiums range from $55 for professional liability coverage to $93 for a business owner's policy (BOP).
Updated: August 20, 2025
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Key Takeaways
Dog grooming business insurance costs range from $55 to $93 monthly, depending on whether you need basic liability coverage or a complete business owner's policy.
Your dog grooming insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable dog grooming business insurance costs.
Average Dog Grooming Business Insurance Cost Overall
| BOP | $93 |
| General Liability | $64 |
| Professional Liability (E&O) | $55 |
| Workers' Comp | $65 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Dog Grooming Business Insurance Cost for General Liability Coverage by State
Your dog grooming business insurance cost for general liability coverage depends on where you operate. Maine offers the most savings at $55 monthly (versus the $64 national average), while New York costs $74 monthly.
| Alabama | $62 |
| Alaska | $57 |
| Arizona | $60 |
| Arkansas | $61 |
| California | $71 |
| Colorado | $63 |
| Connecticut | $69 |
| Delaware | $68 |
| Florida | $69 |
| Georgia | $65 |
| Hawaii | $66 |
| Idaho | $60 |
| Illinois | $70 |
| Indiana | $62 |
| Iowa | $61 |
| Kansas | $62 |
| Kentucky | $59 |
| Louisiana | $70 |
| Maine | $55 |
| Maryland | $61 |
| Massachusetts | $67 |
| Michigan | $60 |
| Minnesota | $60 |
| Mississippi | $64 |
| Missouri | $63 |
| Montana | $63 |
| Nebraska | $60 |
| Nevada | $72 |
| New Hampshire | $63 |
| New Jersey | $72 |
| New Mexico | $64 |
| New York | $74 |
| North Carolina | $55 |
| North Dakota | $55 |
| Ohio | $59 |
| Oklahoma | $59 |
| Oregon | $59 |
| Pennsylvania | $74 |
| Rhode Island | $70 |
| South Carolina | $66 |
| South Dakota | $60 |
| Tennessee | $62 |
| Texas | $64 |
| Utah | $61 |
| Vermont | $61 |
| Virginia | $58 |
| Washington | $73 |
| West Virginia | $67 |
| Wisconsin | $63 |
| Wyoming | $59 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Dog Grooming Business Insurance Cost for Workers’ Compensation Coverage by State
Your dog grooming business's cost for workers' compensation varies by state. Maine and North Carolina both offer the lowest rates at $56 monthly and New York the highest at $75 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $64 |
| Alaska | $59 |
| Arizona | $61 |
| Arkansas | $62 |
| California | $73 |
| Colorado | $63 |
| Connecticut | $71 |
| Delaware | $70 |
| Florida | $70 |
| Georgia | $66 |
| Hawaii | $68 |
| Idaho | $62 |
| Illinois | $71 |
| Indiana | $64 |
| Iowa | $62 |
| Kansas | $64 |
| Kentucky | $60 |
| Louisiana | $74 |
| Maine | $56 |
| Maryland | $62 |
| Massachusetts | $69 |
| Michigan | $61 |
| Minnesota | $61 |
| Mississippi | $65 |
| Missouri | $64 |
| Montana | $65 |
| Nebraska | $62 |
| Nevada | $74 |
| New Hampshire | $65 |
| New Jersey | $74 |
| New Mexico | $65 |
| New York | $75 |
| North Carolina | $56 |
| Oklahoma | $60 |
| Oregon | $60 |
| Pennsylvania | $75 |
| Rhode Island | $72 |
| South Carolina | $66 |
| South Dakota | $60 |
| Tennessee | $64 |
| Texas | $65 |
| Utah | $62 |
| Vermont | $62 |
| Virginia | $59 |
| West Virginia | $69 |
| Wisconsin | $63 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Dog Grooming Business Insurance Cost for Professional Liability Coverage by State
Like other types of coverage, your dog grooming business cost for professional liability varies by state. The national average is $55 monthly, with North Dakota offering the lowest rates at $47 for E&O insurance, while New York charges the highest at $63 monthly.
| Alabama | $54 |
| Alaska | $49 |
| Arizona | $51 |
| Arkansas | $54 |
| California | $60 |
| Colorado | $54 |
| Connecticut | $59 |
| Delaware | $60 |
| Florida | $60 |
| Georgia | $55 |
| Hawaii | $56 |
| Idaho | $52 |
| Illinois | $61 |
| Indiana | $53 |
| Iowa | $53 |
| Kansas | $52 |
| Kentucky | $51 |
| Louisiana | $62 |
| Maine | $49 |
| Maryland | $53 |
| Massachusetts | $57 |
| Michigan | $52 |
| Minnesota | $51 |
| Mississippi | $56 |
| Missouri | $54 |
| Montana | $55 |
| Nebraska | $53 |
| Nevada | $62 |
| New Hampshire | $55 |
| New Jersey | $61 |
| New Mexico | $55 |
| New York | $63 |
| North Carolina | $47 |
| North Dakota | $47 |
| Ohio | $50 |
| Oklahoma | $52 |
| Oregon | $51 |
| Pennsylvania | $63 |
| Rhode Island | $61 |
| South Carolina | $57 |
| South Dakota | $52 |
| Tennessee | $55 |
| Texas | $56 |
| Utah | $53 |
| Vermont | $53 |
| Virginia | $51 |
| Washington | $62 |
| West Virginia | $57 |
| Wisconsin | $53 |
| Wyoming | $51 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Dog Grooming Business Insurance Cost for BOP Coverage by State
Business owner's policy rates vary widely for dog grooming businesses across states. A policy in New York costs $109 per month, while the same coverage in North Carolina runs $79 monthly.
| Alabama | $91 |
| Alaska | $84 |
| Arizona | $88 |
| Arkansas | $89 |
| California | $103 |
| Colorado | $92 |
| Connecticut | $101 |
| Delaware | $101 |
| Florida | $100 |
| Georgia | $96 |
| Hawaii | $95 |
| Idaho | $88 |
| Illinois | $102 |
| Indiana | $92 |
| Iowa | $87 |
| Kansas | $92 |
| Kentucky | $85 |
| Louisiana | $104 |
| Maine | $81 |
| Maryland | $91 |
| Massachusetts | $98 |
| Michigan | $90 |
| Minnesota | $87 |
| Mississippi | $94 |
| Missouri | $94 |
| Montana | $92 |
| Nebraska | $89 |
| Nevada | $106 |
| New Hampshire | $93 |
| New Jersey | $108 |
| New Mexico | $94 |
| New York | $109 |
| North Carolina | $79 |
| North Dakota | $83 |
| Ohio | $87 |
| Oklahoma | $87 |
| Oregon | $87 |
| Pennsylvania | $105 |
| Rhode Island | $103 |
| South Carolina | $96 |
| South Dakota | $88 |
| Tennessee | $90 |
| Texas | $96 |
| Utah | $90 |
| Vermont | $89 |
| Virginia | $85 |
| Washington | $107 |
| West Virginia | $96 |
| Wisconsin | $94 |
| Wyoming | $84 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Dog Grooming Business Insurance Cost
Insurance costs for your dog grooming business are based on several factors that insurance companies review to set rates. Understanding these elements helps you plan your budget better. See below for a detailed breakdown of these factors.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas with higher dog bite incidents or stricter pet care regulations increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single dog bite incident or customer injury can substantially increase your general liability rates at renewal.
Service location types
Mobile grooming services face different risks than fixed locations. Mobile operations need additional vehicle coverage, while store locations must consider property liability and customer slip-and-fall risks.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding groomers increases your payroll costs since insurers calculate your rates per dollar of wages paid.
Services offered
Different grooming services carry varying risk levels. Basic grooming services have lower liability exposure than specialized services like handling aggressive dogs or offering medical grooming for injured pets.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A solo groomer earning $50,000 annually pays less than a multi-location grooming business with $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
Professional grooming equipment like hydraulic tables, high-end clippers and specialized bathing systems require higher coverage limits. Mobile grooming vans with built-in water systems and equipment need more coverage than basic hand tools.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Dog Grooming Business Insurance
Smart shopping and proper business practices can lower your dog grooming insurance costs significantly. Here are proven strategies to reduce your premiums now and build a stronger risk profile over time.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your dog grooming business needs prevents overpaying for unnecessary coverage. General liability insurance protects against customer injuries and property damage, while professional liability covers grooming mistakes. Commercial property insurance safeguards your equipment and facility.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Compare quotes from at least three companies to find the best rates. Consider working with an independent agent who can shop multiple carriers for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, professional liability and commercial property coverage with one insurer typically costs less than separate policies from different providers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket when filing a claim, but your regular insurance payments will be lower.
- 5
Pay annually instead of monthly
Monthly payment plans often include processing fees that increase your total insurance cost. Paying your premium annually eliminates these extra charges and may qualify you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policies yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and services.
Insurance for Dog Grooming Business Cost: Bottom Line
Dog grooming business insurance costs range from $55 to $93 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies and choosing higher deductibles helps you find more affordable rates.
Dog Grooming Business Insurance Cost: FAQ
Business owners often ask about dog grooming company insurance costs, from basic liability coverage to complete protection packages. Here are straightforward answers to common questions.
What is the cheapest type of dog grooming business insurance?
Professional liability insurance costs $55 monthly but only covers service-related errors.
Most dog grooming businesses need the more expensive general liability coverage ($64 monthly) to protect against customer injuries and property damage claims.
How much can I save by bundling my dog grooming business insurance policies?
Bundling multiple policies through a BOP typically costs less than purchasing separate coverage. Insurance carriers often provide discounts when combining different types of business protection.
What factors make my dog grooming business insurance more expensive?
Several factors affect costs: business location, claims history, number of employees, services offered, equipment value and credit rating.
Should I choose a $500 or $2,500 deductible for my dog grooming business insurance?
Higher deductibles lower your monthly premiums but require more out-of-pocket costs when filing claims. Choose based on your available cash reserves and claim frequency expectations.
How much does workers' compensation cost for dog grooming businesses by state?
Monthly workers' compensation costs for dog grooming businesses vary from $56 in North Carolina to $75 in New York, with rates determined by your business location.
Is business owner's policy (BOP) worth the extra cost for dog grooming companies?
A business owner's policy costs $93 monthly for dog grooming businesses. BOP insurance bundles general liability, commercial property and business interruption coverage, offering more value than purchasing policies separately.
How often should I shop around for dog grooming business insurance quotes?
Review your dog grooming business insurance annually during renewal. Compare at least three insurers to find better rates, particularly if your business has grown or changed services.
How We Determined Dog Grooming Business Insurance Costs
We collected dog grooming business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small dog grooming businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the dog grooming industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.