If you’re a student grooming pets as part of your training and you’re not yet qualified, you will still need some form of insurance cover when building your experience and portfolio.
For animal enthusiasts, pet grooming can make a purr-fect and rewarding career choice. But pampering Pomeranians, managing Maine Coons or styling Standard Poodles does not come without its risks!
Here at Cliverton, we love dogs and cats as much as you – and we totally understand the cover you need.
GET A QUOTE & BUYPet grooming can be super satisfying, but it might come with some unexpected twists and turns.
That’s why you need an insurance broker with more than 50 years’ experience in understanding the ups and downs of training to become a pet groomer.
As a crew of animal aficionados with a menagerie of pets at home – and office dogs chilling with us every day – we’re devoted to finding the right coverage. While you're washing, trimming, snipping and styling your furry clients-to-be, we’ll make sure you’re protected with the perfect student pet grooming insurance for your needs.
This policy is suitable for people and businesses who are looking to cover their public liability whilst grooming animals.
This policy is suitable for student pet groomers 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 (CCC) – 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 covered 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 provided.
Any excess applicable. Any pre-existing conditions seen within any animals under your Care, custody and Control. Any animal subject to the Dangerous Wild Animals Act (DWAA) and any activities outside of the UK, Northern Ireland or the Channel Islands.
Legal Expenses – this is designed to protect you from unexpected legal costs arising from business risks. Find out more [link to commercial legal expenses page].Legal Expenses Policy is underwritten by ARAG plc.
The following excesses are applicable to the business policy only.
Liability 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
“If you cut me open, you’ll see the word ‘insurance’ all the way through! Following a 25-year career at Aviva, I joined Cliverton in 2013 and have never looked back.
Cliverton is such a great place to work, we are like one big family, all with a similar focus on our love of animals and on providing the best service we can to our customers.
I love cats and dogs and have owned a wide variety of them over the years. I currently own a completely bonkers Cocker Spaniel called Buddy.”
EMAIL LYNNEOR CALL 01328 857921Read more about the insurance options for pet groomers.
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