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Dog Grooming Business – Everything You Need to Know About Insurance

December 14, 2011

You may not be aware of it but if your business involves dogs in any way from pet sitting to pet grooming or pet walking you could be sued thanks to the highly litigious society we live in. You have to safeguard against such an event because we all know accidents can happen!

When you are new to the world of business everything can seem overwhelming. Sit down, relax and read through this article to find out what you need to know about insurance for the dog grooming business.

Owning and managing a dog grooming business needs a lot of care and dedication. You can get an insurance cover for your brick and mortar salon as well as for your mobile salon.

Some of the different types of insurance that you can take are summarized below.

* Public liability insurance covers your being sued for negligence by the public. In America people think absolutely nothing of suing one another over the most trivial things. You need to be aware that in most cases the courts tend to award damages to the plaintiff assuming that as a business you are properly insured.

* Employer liability insurance is compulsory if you plan to employ assistants to help with your business. Here again there has been an increase in the number of claims and premiums keep shooting through the roof. Initially if you start out on your own, you will not have to worry about employer liability insurance.

* Professional indemnity insurance covers you for claims arising out of advice you give your customers. If your customer suffers loss due to you giving the person what is termed bad advice then the customer can sue you.

You can have an insurance package tailor made to meet your business needs. You need to make sure that the package includes the basics:

* Insurance cover for all equipment including tools and baths in your salon.

* Cover for a mobile trailer and all of its contents including tools and other equipment

You can check whether it is possible to add your vehicle in this package. When you are starting out try to find a monthly payment scheme for your insurance cover, otherwise you may have a problem.

As a pet groomer you become responsible for the dogs you groom and you would be wise to take out some insurance to cover unforeseen circumstances. To summarize, the two main insurances for your business are public liability insurance and employer’s liability.

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From → Pet Sitting

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