Pet Groomer Insurance from Massachusetts Specialists

What is Pet Groomer Insurance?

Grooming animals can be good work, but it’s work that has certain risks. Groomers are exposed to risks that uniquely come with caring for animals, and also common risks that most businesses in any industry face. One way that groomers in Massachusetts can protect themselves from these risks is by purchasing pet groomer insurance.

Pet groomer insurance is specialized commercial insurance for businesses that offer grooming services. Policies usually come with multiple coverages that offer customizable protection.

What Massachusetts businesses should purchase pet grooming insurance?

Most Massachusetts businesses that offer grooming services should have pet grooming insurance. Groomers who are self-employed or independent contractors often should also have their own policy. The following are some examples of businesses that likely need this insurance:

• Dog groomers
• Specialized groomers
• Mobile groomers

Other businesses in the pet industry may also need grooming insurance. Pet stores, pet boarders and veterinarians who provide grooming usually should include pet grooming coverage within their larger insurance policy.

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What coverages can be purchased through pet grooming insurance policies?

Pet grooming insurance policies make multiple coverages available, including both property and liability coverages. The following are commonly available through policies:

• Commercial Property Coverage, which may cover buildings, equipment, tools and supplies that groomers own
• Inland Marine Coverage, which may cover equipment, tools and supplies when being taken to/from client locations
• Business Interruption Coverage, which may cover extended periods without revenue that follow a disaster
• General Liability Coverage, which may cover common accidents that cause personal injury or property damage
• Professional Liability Coverage, which may cover errors and incorrect advice that cause harm to an animal
• Animal Bailee Coverage, which may cover injury, death or loss of animals that are in a groomer’s custody
• Commercial Auto Coverage, which may be required of groomers who drive vehicles between client locations
• Commercial Umbrella Coverage, which may provide additional protection against expensive lawsuits

Groomers can choose from still more insurance coverages. An insurance agent who knows pet grooming policies well can help sort through all coverage options.

Do groomers need to purchase workers’ compensation coverage?

Workers’ compensation normally covers workplace injuries, providing compensation for medical costs and lost wages when workers sustain job injuries. The majority of companies that have employees are required by state law to carry this coverage.

Whether groomers need this coverage depends on their business’ personnel. Businesses that hire groomers as traditional employees often need coverage. Businesses that hire groomers as independent contractors may not need workers’ compensation, though. Individual groomers who are self-employed generally don’t purchase workers comp for themselves.

When workers’ compensation is necessary, it might be purchased within our outside of a pet grooming policy.

How much do pet grooming policies cost?

Pet grooming policies’ premiums are based on many different factors, such as a business location, size, animals groomed, chosen coverages, and recent claims history. Even with variances among premiums, however, these policies tend to be affordable.

The best way to find out how much insurance will cost in a specific situation is to compare quotes with an independent insurance agent. An independent insurance agent has the flexibility to request quotes from multiple insurance companies in the state, which makes it easy to compare rates and coverages.