- General Liability: This pet and dog grooming business insurance policy protects you from accidents and lawsuits that may occur at your location. For example, a customer in your parlor slips and falls. General liability insurance might be able to help them pay for their medical bills.
- If you use your car for business purposes, such as picking up and dropping off pets, you’ll need commercial auto insurance for your pet company. We even have insurance policies for mobile dog grooming.
Other dog and pet groomer insurance you might need:
- BOP: A BOP combines general liability and property damage coverage, as well as any supplementary endorsements, into a single policy.
- Workers’ Compensation: If you have employees, you must obtain workers’ compensation insurance. It protects you from work-related injuries and diseases.
What insurance should a dog groomer have?
Many of our students start their dog grooming companies from their homes. You’ll never moan about your commute again, whether they convert a room in their house or create a grooming shed in the backyard!
If you don’t have the capacity to set up shop at home, going mobile is a great choice, or you can always open a high-street salon if you want to start your own pet empire. Regardless of the nature of your business, you want to feel secure in the knowledge that you are covered against any eventuality. Here are some insurance options to think about:
Contents Insurance
This will cover your belongings in the event of a break-in or theft. Because high-quality equipment might be costly, replacing it is an unnecessary expense for you and your company. Not to mention the fact that if your equipment is taken, you will be unable to operate! Contents insurance also covers any damage to your business if something is stolen during a break-in, which can help you relax during a stressful situation. Some contents insurance policies cover public responsibility, but you’ll need a magnifying glass to read the fine language.
Public Liability
Public liability insurance is a must-have for any business, whether it’s based at home, in a salon, or on the go. When working with creatures that can move, the dog is more likely to get injured. If this happens, your public liability will cover any vet bills, so you and the owner won’t have to pay anything. It will also cover any injuries to owners that occur while they are in your salon, such as slipping on a stray strand of dog hair that hasn’t been cleaned up yet. It will also protect you if you have a legal problem. We go over examples of how to avoid things like this during your Level 3 course, but it’s always best to be cautious than sorry!
Building Insurance
Of course, this is only applicable whether you’re opening a high-street salon or working from home! This insurance covers the expense of repairing damage to a property’s physical structure in the case of theft or damage. The roof, flooring, and walls, as well as any fitted or permanent fixtures, are all included. You may rest easy knowing that in the event of flooding, lightning, or fire, your company will be compensated!
Van Insurance
When your business is on four wheels, there is an alternative to building insurance! Most regular van insurance policies will not cover the changes required for your mobile grooming service, so read the fine print carefully. There are a variety of packages to choose from, so browse around to find the best deal!
Do you need insurance to groom dogs?
People value their dogs, so it’s critical that your dog grooming business has the right kind of public liability insurance in place to protect you if you harm or lose an animal while it’s in your care or if something happens to a customer or employee.
What insurance do dog groomers need UK?
A. You’ll need public liability insurance as a dog groomer to protect yourself in the event that a member of the public is accidentally injured or their property is destroyed by you or the animals in your care. You’ll also need Care, Custody, and Control insurance to protect yourself from claims arising from the injury, illness, or death of the animals in your care. Equipment Cover, Employers’ Liability, Personal Accident, and Professional Indemnity are some of the additional coverage alternatives you may require.
Get to know the industry
Volunteering at a kennel or becoming an apprentice at an established salon are the greatest ways to enhance your dog grooming resume. Prepare to be adaptable as you learn every part of running a salon, from understanding breed behavior and dietary requirements to learning which unique health problems to avoid. After gaining experience, you may want to pursue being self-employed.
Weigh up the pros and cons
Make sure you’re 100 percent dedicated to your business concept. You may be enthralled by the prospect of spending your days surrounded by dogs, but are you up to the physical demands of the job? You’ll spend the entire day on your feet, dealing with stressed-out dogs and demanding owners. Speak with some experienced dog groomers to ensure you have a complete understanding of the work.
Study a professionally-accredited course
The Pet Industry Federation has recognized specialist dog grooming courses in the United Kingdom (PIF). Choosing a professionally approved course ensures that you will receive the training you require, as well as putting your prospective consumers at ease.
Groomers in the United Kingdom can join the British Dog Groomers’ Association (a division of PIF) to gain access to additional training, education, and support.
Decide on your niche
To stand out in a crowded market, you’ll need to figure out what makes your company special. Are you going to focus on grooming little dogs or dogs with lengthy hair? Will you concentrate on running a green firm with environmentally friendly products?
Create a business plan and budget
It’s critical to establish a dog grooming business plan so that you understand not just how your company will be formed and marketed, but also how you want it to expand.
Conducting competitor analysis can also help you better understand the landscape you’re working in and how you might differentiate yourself from similar organizations in your market by offering something different, better, or innovative. If you or a friend has a dog, you might even try visiting a couple of your competitors as a customer.
You’ll also need to budget for expenditures plan to spend between £500 and £1,500 at the very least. Whether you’re going to run a mobile salon, lease a commercial space, or work from home, the cost of starting a business will vary. Make sure to account for rent, vehicle expenditures (if applicable), and the cost of your equipment.
Consider business insurance
People expect you to run a dog grooming service in a professional and meticulous manner because you are caring for their dogs.
If something goes wrong, a customized pet grooming insurance coverage can protect you, your business, and the dogs in your care.
Do you need planning permission to run a dog grooming business from home?
Dog grooming is an example of a business that may require planning clearance. Kennels for dogs and cats. Storage of materials related to a firm in a different location.
Why is it important to have insurance dog grooming?
First and foremost, you are caring for someone’s pet, their pride and joy. Grooming dogs is a personal service, and as a result, a variety of mishaps might occur. A dog could leap from the grooming table, landing incorrectly and hurting a leg.
As a dog groomer, it safeguards you from any unanticipated scenarios for which you may be held liable, thereby putting you and your business in financial jeopardy. Although public liability insurance is not required for dog groomers, it is critical in protecting your business.
- You drop a bottle of shampoo into the client’s bath while cleaning the dog, causing it to crack and require replacement.
This cover is optional, but Ashburnham suggests you give it some thought. Additionally, if you have important equipment such as currycombs and curry brushes, shedding blades, clippers, rakes, and dryers, you may want to consider tools cover to compensate you if they are stolen.
How much do self employed dog groomers make UK?
Dog groomers earn between £13,000 and £20,000 a year, according to the National Careers Service website. Self-employed dog groomers, on the other hand, can earn more money because they can establish their own fees. In the United Kingdom, the current market rate for individual treatments is between £20 and £30.