Dog grooming insurance keeping you in good shape
Dog grooming insurance from a panel of trusted UK insurers
Insure your dog grooming business for liability with zero hassle
Dog grooming insurance is a public liability policy that protects grooming professionals against claims for injuries or property damage that occur during grooming sessions or on their premises. It ensures financial protection for groomers working with animals, sharp tools, and specialist equipment.
In partnership with some of the leading UK insurers, we’ll not only get you a better dog grooming insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
As a specialist insurance broker, we search our panel of leading UK insurers to find the right policy for your dog grooming business.
World-class support
Our UK-based expert team are here to provide you with dedicated support.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a dog grooming liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is dog grooming insurance?
It covers a range of scenarios where your grooming business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to dog groomers for several reasons:
- Business reputation: Insurance shows clients that you take safety and animal care seriously.
- Financial protection: Accidents such as bites, cuts, or damaged equipment can lead to claims, which insurance covers.
- Client Requirements: Customers feel more confident leaving their pets in your care when you’re insured.
The benefits of a dog grooming insurance policy
Personal injury claims
Dog grooming insurance protects you if a customer or visitor is injured in your salon, such as tripping over equipment or slipping on a wet floor.
Damage to property
If you accidentally damage a customer’s belongings, such as clothing or a dog lead, this insurance ensures you’re covered.
Legal protection
Dog grooming insurance covers legal fees for defending your business against claims, whether or not you’re at fault.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does dog grooming insurance cost?
This depends on the nature and size of your dog grooming business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
Cover levels typically start at £1 million. Groomers working with multiple pets or in busy salons may need higher limits.
Nature of business
Premiums may be higher for groomers offering advanced services like de-shedding, teeth cleaning, or breed-specific styling.
Location
What area you operate in can also influence premiums, with urban or high-traffic areas often incurring higher costs.
Business size and turnover
Groomers with a large client base or regular appointments may face higher premiums due to increased activity and exposure.
Number of employees
If you have other groomers or assistants helping in your salon, this can raise your premium due to the higher risk of claims.
Claims history
A claims history can influence pricing; groomers with no prior incidents often secure lower premiums than those with claims.
Dog grooming insurance frequently asked questions
When do I need to get dog grooming public liability insurance?
As soon as you start grooming dogs for clients — whether from a salon, a mobile unit, or your own home. The grooming environment carries specific risks from equipment, products, and the unpredictable nature of animals. Cover should be in place before you take on your first client.
Is dog grooming public liability insurance a legal requirement?
No — it isn't a legal requirement in the UK. However, many professional grooming associations require it as a condition of membership, and increasingly pet owners ask for proof of insurance before booking. It's essential protection for a business where accidents involving animals and chemicals can happen even with the greatest care.
What does dog grooming public liability insurance actually cover?
It covers compensation claims and legal fees if a member of the public is injured or their property is damaged as a result of your grooming business activities — for example, a client slipping in your workspace, or damage to a client's property on your premises. Cover relating to animals themselves can vary significantly between policies. Speak to our team on 0345 222 6318 to make sure your policy covers your specific situation.
What isn't covered by dog grooming public liability insurance?
Every policy is different, and cover relating to animals — including injury caused by a pet in your care — can vary depending on your specific policy and insurer. It's important to understand exactly what your policy includes before you start working with clients. Our team is happy to walk you through the details on 0345 222 6318.
What limit of cover should I choose?
Standard cover starts at £1 million, which is sufficient for most grooming businesses. If you operate a larger salon with multiple staff or groom a high volume of dogs, a higher level may be appropriate. Our team can advise on the right cover level for your business.
Is public liability insurance tax deductible?
Yes — business insurance is an allowable expense, which means you can deduct the cost when calculating your taxable profit. Make sure you keep your policy documents and receipts as records for HMRC. If you're unsure, speak to your accountant.
Do you provide evidence of cover?
Yes — you'll receive proof of cover instantly when your policy is in place, which you can share with clients straight away. If you also take out employers' liability cover, a Certificate of Employers' Liability will be issued immediately for display at your premises.
Why can I trust insurd?
We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.
You can verify our status directly on the FCA register.
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