Dog Grooming Insurance

No, we cannot provide cover for any animals, including dogs. We can help provide protection for employees, and the public against injury and damages as well as equipment protection. If you need cover that protects animals, it's best to find a specialist insurer.

Yes, if the dog groomer is an employee, employers’ liability insurance should help cover any injury they suffer because of their work. 

Similarly, if you are worried about injuring yourself at work, it’s likely your package can be tailored to include personal accident insurance. This will help with financial compensation if you are injured because of your work and can’t carry on working for a period of time. Policies vary per insurer and limits and exclusions apply. Please refer to your policy wording for details.

If you offer additional pet grooming services, we can also help insure your business. For example, if you have a cat grooming business, it’s likely we can help insure the business operations and employees. It's worth noting that we cannot insure any animals against injury or damage. 

A dog owner may be covered if they slip on your premises while dropping off or picking up their dog. However, it's unlikely they will be covered if they were anywhere near machinery or clippers as there would be issues with health and safety. Insurers are also unlikely to offer cover if you allow owners in treatment rooms or near machinery.

Policies vary per insurer and limits and exclusions apply. Please refer to your policy wording for details.

Yes, if you rely on expensive equipment to run your dog grooming business - like electric tables and powerful hairdryers - you might want to insure them in case they break down. This type of insurance helps covers the costs of repairing or replacing essential equipment. But always read the policy documents to make sure it covers everything you need, and you know what the exclusions are.

There are no specific certifications or licenses required for dog groomers in the UK. But you are responsible for the wellbeing of the animals you treat so you should know all about the Animal Welfare Act and your duty of care.

It’s probably also a good idea to only use professional products like shampoos and lotions, instead of homemade concoctions. Using products that you’ve made yourself is likely to make your business more difficult to insure. You should also get to know the Control of Substances Hazardous to Health COSHH regulations and make sure you stick to them.