While you take care of their hair care, we’ll make sure your insurance is looking good too!
Working in pet grooming is a dream job for many animal lovers. Trimming Terriers, shampooing Shih Tzus and clipping a Chartreux can be very rewarding, but it can also come with unforeseen risks. That’s why you need a broker that loves animals as much as you to take care of your insurance needs.
GET A QUOTE & BUYOur friendly team of insurance professionals has over 50 years’ experience understanding the ups and downs, the ins and outs of running a grooming business like yours.
So, while you’re sorting your shampoos and cleaning your clippers, we’ll make sure you’re covered with the right pet grooming insurance for your needs.
Whether you have your own premises or offer mobile grooming services, we understand what cover you need and what you don’t.
As a team of animal lovers with pets galore at home – and dogs in the office every day – we are committed to finding the right insurance for your grooming business. So whilst you’re washing, trimming, cutting and clipping your customers, let us look after you!
This policy is suitable for people and businesses who are looking to cover their public liability whilst grooming animals.
There are four main types of insurance you need if you run a dog, cat or small pet grooming business. All are included in this insurance policy.
Public liability – designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For example, if a dog escapes and injures a member of the public.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Products liability – this covers the business up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied. Please contact the office if you are selling home-made items.
Care, custody and control – cover is provided for any claim made against you for either injury, loss or death of an animal while in the care, custody or control of you or an employee.
Non-negligent cover – covers incidents where there is no negligence or fault on the business’ part, but a third party still experiences a loss or injury. For example, if a dog was put in a crate whilst waiting to be collected and it bites the crate resulting in a broken tooth.
Basic grooming, hygiene grooms and creative grooming (using suitable products) are all covered as standard. The policy also provides cover for nail clipping, ear plucking, anal gland expression and teeth cleaning (using non-invasive methods). Collection and delivery of animals being groomed is also included.
Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as this will provide cover should they suffer an injury while at work. The amount of cover provided is £10million. If you have or are thinking about having school age work experience, please contact us.
Personal accident – provides financial compensation should the insured party be injured while carrying out business activities. You can choose from benefits of up to £250 per week. This section includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.
Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.
Professional indemnity – protects your business should you offer professional advice for a fee, such as training students and the advice results in either a physical or financial loss. The resultant claims can be covered up to a standard of £500,000, however we are able to offer lower levels of cover (£100,000 and £250,000) at reduced premiums.
Events, shows and fundraising – we can cover one-off and multiple events, shows and fundraising in connection to your business.
Equipment and property – we can cover your organisation’s property and equipment, from small items (such as scissors and clippers) to large items (such as an electric grooming table). We are also able to arrange cover for commercial premises, business interruption, theft of money and your home, however if you run your business from your own home, we recommend you also notify your home insurer. If you need cover for your tools, property damage or home, please contact us.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
The following excesses are applicable to the business policy only.
Liability excesses
Property excesses
Terms of Business
Provision of Service Statement
The public liability policy is underwritten by Certain Underwriters at Lloyd’s.
Equipment and property is underwritten by Ecclesiastical Insurance Office plc.
Commercial Combined Key Facts
Combined Liability Policy Wording
Legal expenses policy is underwritten by ARAG plc.
Legal Expenses – Key Facts
Legal Expenses Policy Wording
Important information about our direct debit payment option
We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.
Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage.
Common ownership – the use of land by one or more people, which is owned by someone else
DWAA – animals listed on the Dangerous Wild Animals Act 1976
I’m Kiera and I work within the Small Animals team. I joined Cliverton after completing my degree in Forensic Psychology in 2024. I have two cats, Owen and Gatsby, and grew up surrounded by family cats and dogs.
EMAIL KIERAOR CALL 01328 857921Read more about the insurance options for pet groomers.
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