Mobile groomers are you covered? Here’s What You Need to Know
You’re On the Move. So Are the Risks.
Running a mobile pet grooming business means freedom, flexibility, and fur on everything. But it also means you’re facing a unique set of risks every time you pull out of the driveway.
From fender benders to anxious pups, a day on the road can bring the unexpected. That’s why having the right insurance coverage isn’t a luxury for mobile groomers. It’s a business essential.
What Makes Mobile Grooming Risky?
Mobile Grooming Businesses face many challenges that regular groomers might not encounter. You’re operating a business inside a vehicle, which means you work with expensive equipment, constantly changing environments, grooming products and cleaning chemicals, live animals (who aren’t always cooperative), and constant exposure to road hazards.
And let’s not forget the emotional responsibility. Pet parents trust you with their furry family members. One incident, such as a scratch, a fall, or even an accident with a pet inside, could turn into a major liability.
The Core Grooming Insurance Policies Mobile Groomers Need
1. Commercial Auto Insurance
Your personal car insurance likely won’t cover accidents that happen during business operations. Commercial auto coverage includes:
- Property damage and bodily injury to others
- Damage to your grooming van
- Equipment damaged during a collision
2. General Liability Insurance
Covers you in cases of:
- Third-party injury (a client slipping on wastewater outside your van)
- Property damage (you scratch a client’s car door when parking or operating your vehicle)
- Legal fees if someone sues over a pet injury
3. Animal Bailee Coverage
If a pet in your care is injured or lost, you could face both emotional and financial fallout. This coverage helps with:
- Veterinary costs for accidental injury
- Lost pet recovery efforts
- Liability for negligence claims
4. Equipment & Tools Insurance
You rely on dryers, clippers, tubs, and generators. If they’re stolen, damaged, or lost, can you afford to replace them immediately? This policy ensures you can replace equipment and tools immediately without losing days of work.
Why Mobile Groomers Need a Customized Plan
The average business policy doesn’t understand that you work out of a van, park in different locations, or interact with animals in close quarters. You need a plan built around your real-world routine.
That means:
- Fast access to certificates of insurance (for HOA or apartment complex clients)
- Flexible coverage that protects you in transit and on-site
- A provider who understands the unique blend of risk and reward in mobile grooming
Let’s Make Sure You’re Covered
Whether you’ve got a fully decked-out grooming van or you’re just getting started with simple basics, we can help you build a plan that travels with you.
From nose to tail, and bumper to bumper, we’ve got your business protected.
Give us a call and let’s talk about a mobile grooming insurance plan that will keep you rolling and worry-free.
