Best Dog Grooming Business Insurance

The Hartford scores perfectly in coverage and affordability for dog grooming business insurance. Pet grooming professionals get comprehensive protection at competitive prices.

*We based all scores on a dog grooming business with two employees across professional liability, general liability, workers' comp and BOP policies.

Thimble leads dog grooming insurance at $52 monthly, especially for general liability coverage. But if you need workers comp, professional liability or BOP insurance, The Hartford and ERGO NEXT offer more affordable rates for those specific coverage types.

In general, dog grooming business insurance costs are the following for the four most popular coverage types:

• General Liability: $64 on average per month, ranging from $55 to $74, depending on the state
• Workers' Comp: $65 on average per month, ranging from $56 to $75, depending on the state
• [Professional Liability (E&O)](Professional Liability (E&O) https://www.moneygeek.com/insurance/business/professional-liability/cost/): $55 on average per month, ranging from $47 to $63, depending on the state
• BOP Insurance: $93 on average per month, ranging from $79 to $109, depending on the state

For most dog grooming operations, general liability and animal bailee insurance are the most critical non-required coverages. State laws and client contracts frequently require workers' compensation, professional liability, commercial property and commercial auto insurance for mobile operations.

Here's why these coverages matter and what amounts work best for most dog grooming businesses:

• General liability insurance: Covers client slip-and-falls and damaged belongings, the most common grooming claims. Aim for $1 million to $2 million per occurrence or $2 million to $3 million aggregate.
• Workers' compensation: Required once you hire employees. It pays medical bills and lost wages for injuries like chemical burns or back strain from lifting large dogs.
• Professional liability insurance: Protects against negligence claims and grooming error lawsuits. Get $500,000 to $1 million per claim or $1 million aggregate to meet client contract requirements.
• Animal bailee insurance (care, custody and control): Covers pets that are injured, lost, stolen or die while in your care. Start with $2,500 to $5,000 per occurrence and a $10,000 aggregate. If you handle multiple pets at once, consider $15,000 to $25,000 per occurrence.
• Commercial property insurance: Protects grooming tables, tubs, clippers, dryers and other equipment from damage or theft. Coverage usually costs $10,000 to $50,000 based on equipment value and business size.
• Commercial auto (for mobile grooming operations): Required for groomers who transport pets. Get $1 million combined single limit (CSL) liability with comprehensive and collision coverage.

Here's how to buy business insurance for your dog grooming company:

The Hartford is the best insurer for dog grooming business insurance, while Thimble offers the cheapest option overall. We also recommend getting quotes from ERGO NEXT, Coverdash and Simply Business. For the best deal, consult agents and similar businesses, research costs and companies, and compare multiple quotes.

We answer frequently asked questions about dog grooming business insurance:

MoneyGeek scored dog grooming business insurers across four weighted factors:

• Affordability (50% of score): We compared costs for four core coverage types against competitor pricing using a base profile. Lower relative costs produce higher scores.
• Customer service (30% of score): Scores draw from industry satisfaction studies, customer review platforms and public forum sentiment from sites like Reddit.
• Coverage (15% of score): Providers earn higher scores for flexible coverage options, payment flexibility and breadth of actual coverage offered.
• Financial stability (5% of score): AM Best, Moody's and other industry ratings informed a composite score measuring each company's likelihood of paying out claims.

All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:

• Three-person business with two employees
• Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
• $150,000 in payroll
• $300,000 annual revenue