Pet Grooming Insurance

Pet grooming insurance; If you derive income from grooming pets you need to cover yourself against potential liability. Liability insurance is designed to protect you in case someone gets in hurt on your property. Or even injured while you are grooming their dog.

Do I Need A Policy

If you have a designated place outside of the house where you do your grooming then you definitely need small business liability insurance. This protects you in case someone slips and falls in your business, or is bitten by a dog on the premises.

Grooming Pets At Home

If you only just groomed pets for other people at your home and it is a business then your homeowners insurance policy will likely not insure you. Homeowners insurance policy is designed to just cover normal activities inside your house, not activities derived from doing business.

Also if you groom certain breeds of dogs your homeowners insurance definite will not cover you if you groom certain dog breeds that are deemed more dangerous.

Ways To Limit Liability

One way to limit liability it is to only work with certain dog breeds, and not work with dog breeds that have been deemed dangerous. Also while grooming a dog you should not have the dog owner holding the dog, because if the dog gets nervous and bites the owner then you are liable.

Also when you have any dogs inside your business you should keep them caged. Free roaming pets or pets on leashes can still get free to bite someone or get into a fight with another dog.

Another way you might think about limiting your liability is to only allow dogs on the premises that have been properly vaccinated. That way if someone claims that their dog got sick while on your property you can at least have the protection of saying that you requested all dogs be vaccinated.

Get A Quote Today

If you are reading this article then you are thinking about whether or not you need to get this type of insurance. Don't think about it any longer, just call a insurance broker in your area in get a quote. Better yet, get a least three quotes from different brokers and compare them and see what kind of coverage they will offer.

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