Dog grooming insurance
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Why do you need dog groomers insurance?
Holding the clippers or on reception – wherever you’re based, your customers are putting their trust in you. From nervous pets to broken tools, dog grooming insurance is a key support for UK professionals, starting with solid public liability cover for expensive accidents. From there, you can add employers’ liability insurance for team members, plus stock and equipment cover.
- pet grooming insurance including public liability, starting at £1 million
- peace of mind, letting you focus on the pets, not the what-ifs
- quotes start at £3.19* a month based on 2019 data for pet grooming insurance
Pet and dog grooming business insurance – what’s covered?
We’ll start with public and product liability cover, a key part of most pet groomer insurance policies. Our cover is built to protect you against accident and injury claims – whether you’re at fault or not – along with property damage. You can add other popular covers like employers’ liability, if you need it, and insurance for your specialist equipment.
Public liability insurance for dog groomers
In case your pet business causes an injury, illness, or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your grooming business.
Tools insurance
In case your grooming tools are lost, stolen, or damaged.
Stock insurance
In case the supplies you rely on are lost, stolen, or damaged.
Contents insurance
In case something happens to your fixtures and fittings or office equipment.
Legal expenses insurance
In case you have to pay legal costs connected with your grooming business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Public liability insurance for dog groomers
In case your pet business causes an injury, illness, or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your pet/dog grooming business
- an injury or illness caused by your business activities or products
- accidental damage or injuries caused by your employees
For example:
- you accidentally catch a dog’s paw while grooming, and they need a visit to the vet’s
- a customer trips over another dog in your waiting room, banging their head on a cabinet which causes mild concussion
What you’ll need additional cover for
- If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your grooming business.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury or illness that happens as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your employee gets bitten by a dog while working for you
- one of your part-time workers cuts themselves on some clippers, and needs stitches
Tools insurance
In case your grooming tools are lost, stolen, or damaged.
What’s typically covered by tools insurance?
- loss, damage, or theft of your hand tools and portable electronics
- your tools while they’re on a client’s premises or in transit in the UK, in any vehicle you own or lease
For example:
- a flood at your business premises damages five sets of clippers and drying machines
- you stop to pick up supplies while driving to a client’s house and your bag containing your clippers and dryer is stolen from your passenger seat
Read more about tools insurance
Stock insurance
In case the supplies you rely on are lost, stolen, or damaged.
What’s typically covered by stock insurance?
- loss, damage, or theft of the essentials you keep in shampoo, dog treats, grooming treatment items, and cleaning supplies
For example:
- a flood in your premises destroys six months’ worth of stock you’ve just had delivered
- you need to replace a new order of supplies, after rats cause damage to your stock room
Read more about stock insurance
Contents insurance
In case something happens to your fixtures and fittings or office equipment.
What’s typically covered by business and office equipment insurance?
- accidental damage to your fixtures and fittings, or the equipment you use to run your dog/pet grooming business
- theft, flood, and fire damage
For example:
your three business laptops, a tablet, and sound system are stolen during a break-in at your premises an employee is transferring equipment from your premises to a trade show and a box falls out of their car, containing five clipper sets
Read more about business and office equipment insurance
Legal expenses insurance
In case you have to pay legal costs connected with your grooming business.
What’s typically covered by legal expenses insurance?
- legal costs attributed to your pet/dog grooming business business
- property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
- tax and compliance disputes, and investigations you need help with
- includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your reputation as a recommended pet/dog groomer
For example:
- your apprentice begins legal proceedings against you following a contract dispute, and you need to pay for representation
- HMRC investigate your tax affairs, costing you money and time away from your business
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
What’s typically covered by personal accident insurance?
- accidental injury or death at or outside of work, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- a dog bites you and the wound gets infected, preventing you from working for over three weeks
- your business partner falls down some stairs at a wedding and breaks their ankle – they need six weeks off their feet
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does dog groomer insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.19 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
Example dog groomer insurance quotes, real prices
£10.27 /month
£82.72 /month
A part-time dog groomer working in the local area
- 1-2 years' experience
- Sole trader
- No employees
- Based in Manchester
Public liability
£1,000,000
Employers’ liability
Not included
Tools
Not included
£72.88 /month
£647.78 /month
A small pet grooming business which rents a shop on the high street
- 5+ years' experience
- Limited company
- 3 employees
- Based in BT4 2GB
Public liability
£2,000,000
Employers’ liability
£10,000,000
Tools
£3,000
How we work out example quotes These examples are real quotes from our online system (created 19/04/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Can I just cover my most expensive tools?
Which type of workers do I need insurance for?
Will tools insurance cover all my equipment?
Does pet groomer insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Can I just cover my most expensive tools?
Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Will tools insurance cover all my equipment?
Depending on what you use to do your work, you may need other covers.
You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.
Does pet groomer insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider dog walking insurance or dog breeders insurance?
Do I need cover for other types of work?
If you provide other services, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
Example claim
Having pet groomers’ insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Zahra saved more than £1,940
Zahra (not her real name) was preparing to shampoo a nervous dog when her new employee started ahead and cut his tail. Zahra had employers’ liability cover as part of her dog groomers’ insurance policy, as well as public liability which covered the accidental damage and injury.
Insurance payout
£1,948.00
Covering the cost of accidental damage
Zahra’s costs
£100
The excess amount stated in Zahra’s policy terms
Chosen by 900,000 small businesses and landlords
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Insurance for dog groomers FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about pet and, more specifically, dog grooming insurance. You can also check out our business insurance FAQs.
Despite best efforts and lots of experience, accidents do happen. Public liability insurance is usually an important cover for dog groomers, and can protect you if someone is injured or property – including their dog – gets damaged or injured.
Employers’ liability insurance is a legal requirement if you employ anyone, even in your own home – and failing to take out the right cover can often result in heavy fines. Alongside this, lots of professional dog groomers find things like stock and equipment cover useful, in case the kit or supplies you use to run your business are lost, stolen, or damaged.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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