Pet Grooming Insurance
We offer affordable business insurance for pet groomers.
Offering specialized commercial insurance for pet groomers
Do you groom from your own home or own your own grooming salon? Are you a mobile groomer, or a contract groomer working in someone else’s salon? We know how important pet safety is to you. PROfur is engaged in our industry and are committed to creating the right coverage for you.
Dog and cat groomers need specialized insurance to protect against the professional liability risks of grooming and the expenses resulting from the accidental injury or loss of the dogs themselves while they’re in your care. Getting comprehensive coverage is simple with PROfur. We make it easy to get a customized, cost-effective PROfur insurance policy that does a complete job of covering your dog or cat grooming business. It’s pet grooming insurance specifically designed just for groomers.
Who we help
Grooming Salon Owners
Contract Groomers
Mobile Groomers
Our extensive experience supporting
pet grooming business owners
As Canada’s first specialized insurance provider for pet care professionals, we’ve worked hard to build our insurance offerings from the ground up in order to provide complete protection and the utmost certainty for our clients. Our policies are highly customizable and we pride ourselves on developing a unique product for your business’ size, coverage needs, and individual service offerings.
Our team is incredibly knowledgeable and experienced in providing innovating insurance solutions to different types of pet grooming business owners:
Dog Grooming Insurance
Cat Grooming Insurance
Incidental Grooming Insurance
Understanding pet grooming insurance
PROfur pet grooming insurance includes coverage for:
- Grooming dogs, cats and incidental grooming of rabbits and guinea pigs
- Bathing, Drying, Brushing
- Hair Cutting/Styling
- Nail Clipping
- Coat Colouring/Dying
- Mobile grooming – in your van, trailer or a customers home (this policy does not cover the vehicle itself – you still need your auto insurance policy)
- Expressing Anal Glands
- Ear & Eye Cleaning
- Teeth brushing (excludes scaling, polishing or other dental hygiene services)
- Merchandise Retailing
- Pickup & drop-off services (pet taxi) – dogs are covered while in the vehicle (this policy does not cover the vehicle itself – you still need your auto insurance policy)
Coverage extensions are also available for:
- Independent Contractors working for you
- Pet Boarding Insurance
- Dog Daycare Insurance
- Dog Training Insurance
- Dog Walking Insurance
- Pet First Aid Trainers Insurance
- Pet Sitting Insurance
- Pet Therapists Insurance
What you need to qualify for pet grooming insurance with PROfur:
- Prior training and experience as a pet groomer
- Highly recommend using a pet health & behaviour intake form, and a consent or waiver form especially for matted and senior dogs & cats
The essential coverage your industry needs.
Our team has been protecting pet groomers since 2006. We truly understand your insurance needs at the frontline of pet care.
Commercial General Liability for Pet Groomers
Protects against accidental injury to others, including pets, or accidental property damage. For example, this is designed to defend you if you are sued for negligence after a customer slips and falls in your grooming salon, or if something were to fall and injure a pet in your care.
Professional Liability for
Pet Groomers
Also referred to as errors and omissions insurance or E&O, this type of insurance provides key legal protection in the event of a lawsuit. If a client claims your service or advice caused injury or loss to a pet, your pet groomer E&O coverage helps cover legal costs required to defend yourself.
Accidental Injury, Loss or Death of Pets
Provides financial coverage for unexpected costs incurred to care for pets injured or lost while in your care, including emergency veterinarian expenses. This feature has the added benefit of not requiring you to be sued in order to access the coverage.
Business Contents and Equipment
Includes replacement cost coverage for a home office equipment that is used for your business. Broad, multi-peril coverage is provided – in other words, the policy protects you against a wide variety of things that could damage your property such as fire, theft, vandalism and sewer backup among others.
Contents Away from Premises
Covers tools and equipment while they are in transit, or in storage or in use at a location not specifically listed on your policy. For example, if you have crates in your van to transport dogs from their owners’ homes to the area where you walk them, this would insure the crates (if the crates are permanently attached to the van, then they need to be covered by the van insurance). This is broad, multi-peril coverage.
Business Interruption
Covers lost profit and pays for ongoing expenses if your business is interrupted or closed due to a property damage claim. For example, if your training facility suffers extensive water damage after a storm and you’re closed for two months while it’s repaired, the policy will reimburse you for the profit you’ve lost and it will pay for necessary operating expenses that continue even while you’re closed, such as your salary and loan payments.
Equipment Breakdown
Insures important electronic equipment (or your electrical panel, wiring, air conditioner) against damage from electrical disturbances (such as power surges or brown outs) and mechanical breakdown. It helps compensate for the lost profit and necessary ongoing expenses (like your salary) in the event you are closed due to the equipment breakdown. Many commercial leases require you to carry this coverage.
Pets in Transit
The policy also insures pets while they are being transported in your care (i.e. If you have to take them to the vet; if you offer pickup or drop-off service).
Runaway Recovery Expenses
Provides coverage for reasonable expenses related to your efforts to locate a pet that has escaped or been stolen (i.e. advertising, travel, pet transport, veterinary services).
Reward for Return of Runaway
Allows you to extended a financial reward for the safe return, or for information leading to the safe return, of a client’s pet which has escaped or been stolen from your care.
Proof of Loss Preparation Costs and Professional Fees
Two benefits which help cover costs incurred in order to establish your loss after a claim and to prepare the Proof of Loss form needed to receive payout for a claim. For example, you may incur expenses to have your proof of loss form notarized.
PROfur Coverage Extension
This is a package of various coverages included on all PROfur Masterplan policies. It is designed to maximize your protection by covering gaps that often arise unpredictably after a claim. It offers supreme protection for your pet grooming business.
Do you provide multiple pet care services?
If you offer more than one type of pet care service, protecting all aspects of your business is important. With a combination of pet care services, your business has a variety of unique, complex risks. With an Acera Insurance PROfur policy, you receive the comprehensive coverage you need and can insure multiple pet care services on a single policy. We offer certainty when it comes to covering your customers’ pets and your business.
We work to find the best pet grooming insurance to support the unique need of your pet care business.
Why trust Acera Insurance and PROfur for your pet groomers insurance?
Since 2006, we’ve supported pet care professionals like you. As Canada’s first provider of specialized pet care business insurance, we understand your industry. We ensure your policy gives you the best protection on the market, at a cost-effective price, without any surprising gaps that would exist on a less customized insurance policy.
Ready to get your free pet grooming insurance quote?
Enter your information into our digital tool to get a no-obligation quote. You can even pay for your policy online!