Dog grooming insurance
Join over 900k UK customers (including pet groomers like you) – we offer public liability cover from £4.74*
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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 £4.74** a month based on 2023 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.
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Public liability insurance for dog groomers
In case your pet business causes an injury, illness, or property damage.
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Employers’ liability insurance
In case anyone gets ill or injured while working for your grooming business.
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Tools insurance
In case your grooming tools are lost, stolen, or damaged.
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Stock insurance
In case the supplies you rely on are lost, stolen, or damaged.
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Contents insurance
In case something happens to your fixtures and fittings or office equipment.
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Legal expenses insurance
In case you have to pay legal costs connected with your grooming business.
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
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 £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example dog groomer insurance quotes, real prices
£10.27 /month
£82.72 /year
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 /year
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.
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Can I just cover my most expensive tools?
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Which type of workers do I need insurance for?
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Will tools insurance cover all my equipment?
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Does pet groomer insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
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
Call our team
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.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
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
Insurance payout
Covering the cost of accidental damage
Covering the cost of accidental damage
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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