If a Flood, Fire, or Equipment Breakdown Shuts You Down—Will Your Pet Grooming Business Survive?
Running a pet grooming salon comes with its fair share of fur-covered joy—and financial stress. What would happen if your shop had to close for a week or longer due to a fire, water damage, or broken equipment? Most small grooming businesses can’t afford to lose even a few days of income without feeling the effects.
At Pet Business Insurance, we’ve worked with hundreds of pet service professionals who faced unexpected disasters and didn’t have the coverage to protect their income.
In this article, you’ll learn how business income insurance works for pet groomers, why so many salons are at risk, and how this policy can save your business in the event of a shutdown.
What Is Business Income Insurance?
Business income insurance (also known as business interruption insurance) is designed to replace lost income if your business has to shut its doors due to a covered disaster.
For pet groomers, that could mean a burst pipe floods your salon, a fire damages your workspace, or a major equipment failure halts operations.
Without this insurance, your business could lose all incoming revenue while still being responsible for rent, payroll, and utility bills.
How Business Income Insurance Works for Pet Groomers
Here’s how this coverage typically supports you during a temporary closure:
- Lost income replacement while your shop is shut down
- Operating expenses like rent, payroll, and utilities
- Temporary relocation costs if you need to groom elsewhere
Business income insurance gives you financial stability when you need it most. You can focus on recovery—not on how to pay the bills.
Why Pet Groomers Are Uniquely at Risk
Your workspace isn’t like other businesses—it’s hands-on, regulated, and equipment-heavy. That means even a small disruption can shut you down completely.
Common Risks for Grooming Businesses:
- Fire hazards: Equipment like dryers and clippers increase fire risk.
- Plumbing issues: Flooded grooming stations can halt services for days.
- Equipment failure: One broken grooming table can mean canceled appointments.
- Natural disasters: Hurricanes, floods, and storms can force closures.
83% of pet grooming businesses lack this type of coverage—leaving the majority of the industry exposed to financial disaster.
Real-Life Example: Why Coverage Matters
A grooming salon experiences an electrical fire and is forced to close for six weeks. During this time:
- No revenue is generated
- Rent and payroll still need to be paid
- Clients begin taking their pets elsewhere
Because they had business income insurance, the owner received compensation for lost income and fixed expenses, allowing them to reopen without long-term financial loss.
4 Major Benefits of Business Income Insurance
1. Protects Your Revenue Stream
When disaster strikes, your bills don’t stop. This coverage ensures your income doesn’t either.
2. Keeps You From Losing Clients
With funds to relocate or continue operations, you’re less likely to lose loyal customers to competitors.
3. Preserves Your Investment
You’ve built your business with time and effort. Business income insurance helps you protect that investment when the unexpected happens.
4. Gives You Peace of Mind
You won’t lie awake at night wondering how you’ll stay afloat if your space floods or your clippers break down. You’ll have a plan.
Common Myths About Business Income Insurance
“I already have property insurance—that’s enough.”
Not true. Property insurance only covers physical damage. It doesn’t cover the income you lose while your business is closed for repairs.
“My grooming business is too small to need this.”
Even the smallest grooming salon relies on steady income to cover fixed costs. Small businesses are often hit hardest by closures.
“It’s too expensive.”
Business income insurance is far more affordable than losing weeks—or months—of revenue. The premium is a fraction of what a disaster could cost.
How to Get the Right Business Income Insurance Policy
- Evaluate Your Risks: What events could realistically shut you down?
- Calculate Your Needs: What’s your monthly revenue? Fixed expenses?
- Talk to a Specialist: Work with an agent who understands pet grooming.
- Review the Fine Print: Know what’s covered, waiting periods, exclusions.
- Bundle Where You Can: Combine with property or liability insurance for savings.
Why You Should Take Action Now
Most grooming businesses wait until after a crisis to get protected—by then it’s too late. If you’re part of the 83% who lack coverage, your business may not survive the next big disruption.
Don’t risk it. Business income insurance is one of the smartest moves you can make to protect your livelihood.
Take the First Step Toward Protecting Your Income
Not sure whether your current policy includes business income coverage?
Take Pet Business Insurance’s 60-Second Business Continuity Quiz to find your gaps and see how easily you can secure the protection your business needs.
Conclusion: Don’t Be Part of the 83%
At the end of the day, we’ve all experienced disruptions that make it difficult to run a business. This is especially true if you rely on in-person services like grooming.
Now that you’ve learned how business income insurance can protect your pet grooming business, it’s time to take action and ensure your income is covered—no matter what happens.
You’ve invested so much into your business—don’t let one disaster undo it. Reach out today, and let us help you build the financial resilience your salon deserves.
