Dog Grooming Insurance and Microchippers' Cover

From only £125.00 per year (monthly payment options available)

Quick Quote and Buy

Dog Grooming Insurance and Microchippers' Cover

From only £125.00 per year (monthly payment options available)

Quick Quote and Buy

This policy is suitable for people and businesses who are looking to cover their public liability whilst grooming animals or providing a microchipping service.

While you take care of their hair care, we’ll make sure your insurance is looking good too!

Working in pet haircare 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.

Insurance from people who are barking mad about dogs and crazy about cats! 

Our 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!

What’s included
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Care, Custody & Control unlimited cover
  • Non-Negligent Cover unlimited cover
Optional
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers’ Liability £10,000,000
  • Equipment & Property
  • Professional Indemnity £100,000, £250,000 or £500,000
  • Personal Accident cover
  • Events, Shows & Fundraising
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Care, Custody & Control unlimited cover
  • Non-Negligent Cover unlimited cover
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers’ Liability £10,000,000
  • Equipment & Property
  • Professional Indemnity £100,000, £250,000 or £500,000
  • Personal Accident cover
  • Events, Shows & Fundraising

POLICY INFORMATION

What is Covered?

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 provided. We can also cover the provision of a microchipping service.

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 & Control unlimited cover

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.

Employers’ Liability (optional extra)

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 £10 million. If you have or are thinking about having school age work experience, please contact us.

Equipment & Property (optional extra)

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.

Personal Accident Cover (optional extra)

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 (optional extra)

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 & Fundraising (optional extra)

We can cover one-off and multiple events, shows and fundraising in connection to your business.

What is excluded?

  • Any animal subject to the Dangerous Wild Animals Act (DWAA)
  • Any work outside of the United Kingdom
  • Any excess applicable
  • Any pre-existing conditions seen within any animals under your Care, custody and Control.

Excesses

The following excesses are applicable to the business policy only.

Liability Excesses

  • Public Liability
    • Third party injury – Nil
    • Third party property damage – £100
    • Care, Custody and Control – £50
    • Non-negligent – £50
  • Products Liability – Nil
  • Employers’ Liability – Nil

Property Excesses

  • Buildings – £250
  • Contents  – £100
  • Money – £100
  • Business Interruption – Nil
  • All other property claims –  £100
  • Personal Accident – first 7 days of incapacity

IMPORTANT INFORMATION

Terms of Business LBSD v20 06.07.23

CLIVERTON_Provision of Services Statement 03.07.23

The Public Liability policy is underwritten by Certain Underwriters at Lloyd’s.

Commercial Combined Key Facts

Equipment & Property is underwritten by Ecclesiastical Insurance Office plc.

Commercial Combined Policy Wording

Legal Expenses Policy is underwritten by ARAG plc.

Legal Expenses – Key Facts

Legal Expenses Policy Wording

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