Dog Grooming Business Insurance Cost (2025 Rates)

Updated: November 13, 2025

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Key Takeaways

Dog grooming business insurance costs range from $675 to $1,306 annually on average, depending on coverage type, state and sub-industry.

Your dog grooming insurance premiums depend on location, claims history, services and your employee count.

Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable dog grooming business insurance costs.

How Much Is Insurance for a Dog Grooming Business?

We found average business insurance costs for dog grooming companies for commonly needed coverage are as follows:

Complete Dog Grooming Protection Package: $213 per month or $2,558 yearly for combined BOP, workers' comp and professional liability bundle.
General Liability Coverage: $64 monthly or $763 annually
Workers' Compensation Insurance: $65 per month or $780 per year
Professional Liability Coverage: $55 per month or $658 annually
Business Owner's Policy (BOP) Insurance: $93 monthly or $1,120 annually


BOP	$93	$1,120
General Liability	$64	$763
Professional Liability (E&O)	$55	$658
Workers' Comp	$65	$780

Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.

Get Matched to Cheap Dog Grooming Business Insurers

Select your industry and state to get a customized quote.

Industry

State

Dog Grooming Business Insurance Cost of General Liability Coverage by State

Your dog grooming business cost for general liability insurance varies by location. Maine offers affordable rates at $55 monthly compared to the $64 national average, while New York costs $74 monthly.


Alabama	$62	$747
Alaska	$57	$679
Arizona	$60	$724
Arkansas	$61	$734
California	$71	$852
Colorado	$63	$759
Connecticut	$69	$831
Delaware	$68	$818
Florida	$69	$828
Georgia	$65	$777
Hawaii	$66	$792
Idaho	$60	$725
Illinois	$70	$840
Indiana	$62	$746
Iowa	$61	$728
Kansas	$62	$743
Kentucky	$59	$710
Louisiana	$70	$843
Maine	$55	$663
Maryland	$61	$730
Massachusetts	$67	$803
Michigan	$60	$725
Minnesota	$60	$718
Mississippi	$64	$768
Missouri	$63	$753
Montana	$63	$762
Nebraska	$60	$724
Nevada	$72	$867
New Hampshire	$63	$761
New Jersey	$72	$867
New Mexico	$64	$769
New York	$74	$890
North Carolina	$55	$663
North Dakota	$55	$665
Ohio	$59	$710
Oklahoma	$59	$704
Oregon	$59	$711
Pennsylvania	$74	$883
Rhode Island	$70	$841
South Carolina	$66	$788
South Dakota	$60	$715
Tennessee	$62	$746
Texas	$64	$772
Utah	$61	$728
Vermont	$61	$735
Virginia	$58	$697
Washington	$73	$870
West Virginia	$67	$803
Wisconsin	$63	$751
Wyoming	$59	$708

Note: We based these general liability rates on dog grooming businesses with two employees across different states. Your rates will vary based on your location, claims history and the services you offer.

Dog Grooming Business Insurance Cost of Workers’ Compensation Coverage by State

Dog grooming businesses have varying costs of workers' compensation insurance depending on location. North Carolina businesses pay around $56 monthly, while New York rates reach $75 monthly. State regulations and local claim histories drive these pricing 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

Note: We based these workers' comp rates on dog grooming businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.

Dog Grooming Business Insurance Cost of Professional Liability Coverage by State

Your professional liability cost varies by state. This coverage averages $55 monthly nationwide. North Dakota offers the most affordable rates at $47 monthly, while New York ranks 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

Note: We based these professional liability rates on dog grooming businesses with two employees across different states. Your actual rates will depend on your services offered and location.

Dog Grooming Business Insurance Cost of BOP Coverage by State

Dog grooming business insurance costs vary based on your state, with BOP insurance cost ranging from $79 in North Carolina to $109 in New York for the same coverage.

The Tar Heel State offers the most affordable rates at just $79 monthly, while Empire State business owners face the highest costs at $109 per month. This $30 monthly difference adds up to $360 annually between the cheapest and most expensive states.


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

Note: We based these BOP rates on dog grooming businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.

Dog Grooming Business Insurance Cost by Provider

Dog grooming business insurance costs vary by provider, ranging from $52 to $83 monthly. These price differences reflect each insurer's specific market focus and strategic priorities, which shift over time based on profitability and expansion opportunities within particular business segments.


Chubb	$83	$993
Coverdash	$67	$802
Hiscox	$73	$870
NEXT Insurance	$62	$744
Nationwide	$79	$951
Progressive Commercial	$68	$817
Simply Business	$77	$924
The Hartford	$57	$678
Thimble	$52	$622
biBERK	$77	$929

Dog Grooming Business Insurance Cost Factors

Dog grooming business insurance costs vary based on multiple factors insurers consider when determining your premium rates.

Geographic location

Your salon's location impacts rates through local liability environments and competition density. Grooming businesses in affluent areas with high-value breeds face different exposure than those serving working-class neighborhoods. State-specific animal welfare regulations and lawsuit frequencies create substantial premium variations across regions.

Safety record and claims history

Past incidents involving animal injuries or bites dramatically affect your insurance profile. Claims from dogs injured on grooming tables, heat exhaustion in dryers, or groomer bites remain visible for years.

Groomers maintaining spotless records with documented handling protocols and emergency response procedures secure better rates.

Types of animals groomed

Species and breeds you service create varying risk levels. Dog-only salons face baseline exposure, while those grooming cats encounter more bite and scratch incidents.

Accepting aggressive breeds, elderly pets with health conditions, or exotic animals like rabbits increases liability. Show dog preparation commands premium pricing but also heightened perfectionism expectations.

Employee count and payroll

Staff size determines workers' compensation and employment liability expenses. Solo groomers working from home maintain minimal costs, while salons employing multiple groomers, bathers, and receptionists see premiums multiply.

Services offered

Offerings beyond basic grooming reshape your exposure profile. Providing mobile grooming introduces vehicle liability and traveling equipment risks.

Offering daycare, boarding or training services layers animal care custody concerns onto grooming operations. Teeth cleaning, nail grinding, or creative grooming with dyes each introduce distinct technical skill requirements affecting liability.

Business size and revenue

Income levels reflect client volume and insurance requirements. Part-time groomers earning $40,000 from home operations need basic protection, while established salons generating $350,000 through high daily appointment volumes require comprehensive coverage.

Higher revenue means more animals handled daily, increasing bite incidents, injury potential, and claim opportunities.

Coverage limits

Protection thresholds you establish create meaningful cost variations. Most grooming businesses carry $1 million to $2 million in general liability coverage for animal injuries and property damage.

Care, custody and control coverage protecting client pets under your supervision adds substantial costs. Property insurance for equipment and business interruption coverage layer beyond basic liability.

Equipment

Your grooming assets influence property insurance needs considerably. Basic setups with hydraulic tables and standard dryers need modest coverage, while salons featuring high-velocity dryers, heated bathing systems or specialized equipment for large breeds require enhanced protection.

Cage-free facilities or those with outdoor play areas introduce additional premises liability considerations.

Credit score and financial stability

Financial credentials affect both rate competitiveness and carrier access. Groomers with excellent credit receive 14% to 36% discounts versus those with credit challenges. Strong credit demonstrates business stability and professional commitment, qualities insurers value when underwriting pet service businesses with inherent unpredictability.

How to Get Cheap Dog Grooming Business Insurance

Lowering your dog grooming business insurance costs takes a mix of smart planning and the right strategies. Our guide below helps you find cheap business insurance for your grooming services while improving your risk profile and protecting your business for the long run.

1
Choose the right coverage types for your business
Dog grooming businesses need general liability for customer injuries and dog bites, professional liability for grooming accidents like clipper burns or nicks, and property insurance for your salon equipment and facility.

Workers' compensation is essential if you have employees, as grooming injuries from bites, scratches and repetitive strain are common in this industry.
2
Shop multiple insurance companies
Grooming insurance costs vary based on whether you operate a mobile service, home-based salon, or storefront with multiple groomers. Request quotes from at least three providers, verifying each policy covers incidents during transport if you offer pickup and delivery services.
3
Bundle your coverage types
Combining general liability, professional liability, and bailee's coverage saves 18% to 25% compared to buying separately. Bundling ensures coordinated protection when a single incident involves both animal injury and property damage, like a dog escaping and damaging your facility.
4
Increase your deductibles
Higher property deductibles of $1,000 to $2,500 can reduce premiums by 15% to 25%, which works well for established groomers with reliable equipment. Keep liability deductibles low since animal-related claims can escalate unpredictably, even with excellent safety protocols and client waivers.
5
Pay annually instead of monthly
Monthly installment plans for grooming insurance include 5% to 10% in processing fees that reduce your profit per appointment.

Annual payment eliminates these charges and frequently earns a 6% to 9% discount for paying upfront. For a groomer with $2,500 in annual premiums, this could mean $250 to 475 in total savings that you can use for equipment upgrades or marketing to attract new clients.
6
Review and adjust your coverage annually
Review your policy annually or whenever you add groomers, expand services to include spa treatments or teeth cleaning, or purchase expensive equipment like hydraulic tables or high-velocity dryers. Your bailee's limits should increase as you serve more clients or higher-value breeds.

Insurance for Dog Grooming Business Cost: Bottom Line

Dog grooming business insurance costs between $56 and $109 per month, but your exact premium depends on factors like location, claims history, and business size. You can often cut costs by comparing quotes from different insurers, bundling your coverage, selecting higher deductibles, and opting to pay annually rather than monthly.

Dog Grooming Insurance Cost: FAQ

Dog grooming business owners commonly ask about insurance costs. We answered the most frequent questions below:

What is the cheapest type of dog grooming business insurance?

Professional liability (E&O) insurance is the most affordable at $55 monthly, though it only covers errors in grooming services. Most dog grooming businesses require general liability coverage ($64 monthly) for protection against customer injuries and property damage lawsuits.

How much does dog grooming business insurance cost in expensive states like California and New York?

You'll pay more in these states. General liability in California runs $71 monthly (vs. $64 national average), and BOP costs $103 monthly (vs. $93 average). New York is similar at $74 and $109, respectively.

How much can I save by bundling my dog grooming business insurance policies?

Bundling delivers greater savings than purchasing individual policies. Most insurance companies provide discounts when you package general liability, commercial auto coverage and commercial property insurance through a single provider.

What factors make my dog grooming business insurance more expensive?

Insurance costs increase due to multiple risk factors: business location in high-crime areas, prior claims history, number of employees, specialized equipment value, and additional services like nail trimming or handling aggressive animals.

Should I choose a $500 or $2,500 deductible for my dog grooming business insurance?

A $2,500 deductible reduces monthly premiums but increases your out-of-pocket costs per claim. Select the $500 deductible if you anticipate frequent claims or prefer predictable expenses.

How much does workers' compensation cost for dog grooming businesses by state?

Workers' compensation costs for dog grooming businesses vary by state, spanning from $56 monthly in North Carolina to $75 monthly in New York.

Is business owner's policy (BOP) worth the extra cost for dog grooming companies?

Yes, BOP insurance is worth it for dog grooming companies. BOP costs $93 monthly and bundles general liability, commercial property and business interruption coverage. Bundling saves money compared to purchasing separate policies, making BOP a smart choice for most grooming businesses.

How often should I shop around for dog grooming business insurance quotes?

Shop annually when your policy renews. Comparing quotes from multiple insurers can uncover savings, especially after business changes like expanding services or adding staff members.

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 in 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

We used a typical small dog grooming business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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