How Do California’s Dog Bite Laws Affect Mobile Pet Groomers?
California has one of the strictest dog bite laws in the country, following a strict liability rule. This means:
- A dog owner is automatically liable if their dog bites someone, regardless of whether the dog has a history of aggression.
- Groomers can also be held responsible if they are found negligent in handling a dog.
- Even first-time incidents can lead to lawsuits and expensive medical claims.
Why does this matter? Many pet groomers assume they are covered under the pet owner’s insurance, but this is not always the case.
Who Is Liable If a Dog Bites a Mobile Pet Groomer in California?
The Dog Owner’s Liability
Under California Civil Code Section 3342, the dog owner is responsible for a bite injury.
The pet owner’s homeowners or renters insurance may cover medical bills.
If a pet owner refuses to pay, the groomer may need to file a legal claim.
The Groomer’s Liability
If a groomer acts negligently—for example, handling a dog improperly—they could be held liable.
If a client claims their pet was harmed or traumatized during grooming, they may file a lawsuit against the groomer.
Without professional liability insurance, a groomer may have to pay legal and medical costs out of pocket.
How to Protect Your Business from Dog Bite Liability in California
Require Liability Waivers
Have every client sign a liability waiver before grooming their pet.
A waiver should state that the owner acknowledges the risks of grooming and releases the groomer from liability.
Carry Professional Liability Insurance
Covers legal fees and settlements if a pet owner sues.
Protects against claims of negligence or mishandling.
Have Workers’ Compensation Insurance (If You Have Employees)
If an employee is bitten, workers’ compensation insurance covers their medical bills and lost wages.
In California, workers’ comp is required for any business with employees.
Tip: Without the right insurance, a single dog bite claim could cost thousands in legal fees.
What Type of Insurance Covers Dog Bite Claims for Pet Groomers?
Groomers can be held responsible for dog bites. Make sure you have the right insurance.
General Liability Insurance
Covers third-party injuries (if a dog bites a customer or another pet).
Does not cover injuries to the groomer or their employees.
Professional Liability Insurance (Errors & Omissions Insurance)
Covers claims of negligence, mishandling, or grooming mistakes.
Pays for legal fees and settlements if a pet owner sues.
Workers’ Compensation Insurance
Covers medical expenses if an employee is bitten while grooming.
Required by law in California for businesses with employees.
Real-Life Example: A Dog Bite Claim in California
Case Study: Dog Bite Lawsuit in Los Angeles
Jessica, a mobile pet groomer in Los Angeles, was grooming a nervous dog when it suddenly bit her hand.
- The owner refused to pay for medical expenses, claiming it was Jessica’s fault.
- Jessica did not have workers’ compensation insurance, so her medical bills were out of pocket.
- The injury prevented her from working for two weeks, leading to lost income.
Lesson: If Jessica had workers’ comp insurance, it would have covered her medical expenses and lost wages.
Get Protected from Dog Bite Liability Today
Dog bites are one of the biggest risks for mobile pet groomers. Don’t leave your business unprotected.
Professional Liability Insurance – Covers lawsuits from grooming-related injuries.
General Liability Insurance – Covers injuries to clients or their pets. Workers’ Compensation – Pays for medical bills if you or an employee is bitten.