Pet Grooming Insurance
Coverage recommendations, carrier options, and cost estimates for insuring pet grooming businesses. Built for independent agents quoting this class.
Recommended Coverages
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy. For Pet Grooming businesses, key exposures include animal injury during grooming. Common claims include animal injury during grooming (cut, burn).
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Pet Grooming businesses, key exposures include animal injury during grooming. Common claims include animal injury during grooming (cut, burn).
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Professional Liability
recommendedClaims arising from professional errors, omissions, negligent acts, or failure to perform professional duties. Agent note: Professional liability covers claims related to grooming services
$1M per claim / $2M aggregate is standard; higher limits for regulated professions
$500 - $3,000/year for low-risk professions; $3,000 - $20,000+ for attorneys, accountants, and healthcare
Bailee Coverage
recommendedBailee Coverage provides specialized coverage tailored to the risks Pet Grooming businesses face.
Varies by carrier and state
Varies by business size and risk profile
Risk Profile
Physical Risk
Liability Risk
Professional Risk
Property Risk
Top Risks
- Animal bite/scratch injuries
- Animal injury during grooming
- Allergic reaction to products
- Animal escape
- Property damage from animals
Carriers That Write Pet Grooming
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$2,000 - $10,000 for businesses with $100K - $500K revenue
Key Pricing Factors
- Annual revenue ($100K - $500K is typical for this class)
- Employee count (2-10 is typical)
- Number of animals groomed daily
- Mobile vs fixed location
- Types of animals
- Employee experience
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our pet grooming insurance cost page.
Get Quotes from a Local Independent Agent
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