Mobile vs. Salon Pet Groomers: What Insurance Coverage Do I Need?

Whether you’re grooming pets in a cozy salon or a fully equipped van, having the right insurance is essential to protect your business, your clients and yourself. But the type of coverage you need can vary significantly depending on your setup. At American West Insurance Agency Inc., our team can help keep you and the pets under your care covered against unexpected mishaps and unfortunate accidents.

Salon Groomers: Fixed Location, Consistent Risks

Operating from a brick-and-mortar salon means you’ll need comprehensive coverage for your physical space. At a minimum, salon owners should carry the following:

• General liability insurance can cover third-party bodily injuries, personal and advertising injuries or property damage, including those that occur in your salon.

• Professional liability insurance may offer financial protection after claims of negligence or grooming mistakes.

• Commercial property insurance can cover damage to your building, grooming tools, furniture and inventory.

• Workers’ compensation insurance may be required if you have employees, covering workplace injuries.

These policies help mitigate risks such as slip-and-fall accidents, pet injuries or equipment damage within your facility.

Mobile Groomers: Facing an Unpredictable Outside World

Mobile groomers face a different set of challenges. Since your business is on wheels, your insurance must travel with you. Key policies may include the following:

• Commercial auto insurance is essential for covering accidents involving your business vehicles.

• Inland marine insurance can financially protect grooming equipment in transit or at client locations.

• General liability insurance remains essential for third-party losses for which you may be at fault.

• Professional liability insurance is also important, as you might be accused of making errors.

• Workers’ compensation insurance is required in most states if you have staff, even in a mobile setup.

Learn More

Choosing the right insurance depends on how and where you operate. Whether you’re salon-based or mobile, tailored coverage can help you secure your business’s future and keep pets healthy.

Contact American West Insurance Agency Inc. in Seattle, Washington, today to learn more or get a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.