Pet grooming liability insurance is much like the malpractice coverage that the beauty and hair grooming industry needs. Businesses that groom dogs, cats and other pets need related insurance coverage that includes nail or hair clipping as well as tail docking. Many pet grooming owners and operators acquire coverage through insurance policy packages. These incorporate commercial general liability and malpractice or professional liability for pet injury that can be the result of:

• Clipping
• Trimming
• Shampooing
• Nail clipping
• Other professional grooming services

Aside from the above, the package includes injury coverage for customers and pets as a result of premises risks that are unrelated to professional servicing.

NJ Pet-Grooming Business Insurance Claim Examples

General Liability

A client carried his pet through the door and tripped across the steps. The man incurred a broken arm and his dog suffered a bruised leg. Medical bills for the pet owner totaled $2,500; the dog’s veterinary bills totaled $500.

Professional Liability

A pet-grooming employee clipped one dog’s nails too short, resulting in an infection. The angered pet owner filed a lawsuit for $5,000 against the pet grooming establishment.

Property

As a result of faulty wiring, a fire began in a pet care building. This caused $50,000 in building and contents damage. Repair work necessitated a 30-day business closure which brought about loss of business income.

Equipment Breakdown

A pet grooming business had to close for four full hours as a result of the hot water heater’s malfunction. This involved loss of income.

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Summary: What do beauty and barber shops have in common with pet-grooming businesses? You’ll find the answer in this pertinent insurance bulletin.