Is Insurance Required for Mobile Pet Groomers in Georgia?
Do You Need a License & Insurance?
Unlike some states, Georgia does not require a statewide pet grooming license, but local regulations and insurance requirements may apply:
✔️ General Business License: Required in most cities, including Atlanta, Savannah, and Augusta.
✔️ Commercial Auto Insurance: Legally required if you operate a grooming van.
✔️ Workers’ Compensation Insurance: Mandatory if you have employees.
✔️ General Liability & Professional Liability Insurance: Highly recommended due to Georgia’s strict dog bite laws.
Many property owners require proof of insurance before allowing you to operate on their premises.
What Does Georgia Mobile Pet Grooming Insurance Cover?
1. General Liability Insurance
✔️ Covers customer injuries, property damage, and lawsuits
✔️ Essential due to Georgia’s strict liability for pet injuries
2. Professional Liability Insurance (Errors & Omissions)
✔️ Covers claims of grooming mistakes or negligence
✔️ Pays legal fees if a client sues for an injury during grooming
If a dog gets overheated or dehydrated during a session, the owner may hold you liable.
3. Commercial Auto Insurance
✔️ Required for all pet grooming vans used for business
✔️ Protects against accidents, theft, and storm damage
4. Equipment & Tool Coverage
✔️ Covers clippers, dryers, tables, and grooming tools from theft or damage
✔️ Essential for groomers working in storm-prone areas
5. Workers’ Compensation Insurance
✔️ Legally required in Georgia if you have employees
✔️ Covers medical bills & lost wages for work-related injuries (like dog bites or back strain)
Need a policy tailored to your Georgia grooming business? Get a free consultation. Talk to an insurance expert.
How Much Does Mobile Pet Grooming Insurance Cost in Georgia?
| Coverage Type | Average Monthly Cost in Georgia |
|---|---|
| General Liability | $30 - $60 |
| Professional Liability | $40 - $80 |
| Commercial Auto | $75 - $160 |
| Equipment Coverage | $15 - $50 |
| Workers’ Compensation | Varies by payroll size |
Why Are Insurance Rates in Georgia Lower Than in Some States?
✔️ Lower frequency of business lawsuits than states like California or New York.
✔️ More affordable commercial auto insurance than coastal hurricane-prone states.
Real-Life Case Studies: How Insurance Saved Georgia Groomers
Case Study 1: Heat-Related Pet Injury in Atlanta
Lena, a mobile groomer in Atlanta, groomed a bulldog in the summer. The pet suffered heat exhaustion, and the owner sued for negligence.
Her professional liability insurance covered the legal fees, preventing a major financial loss.
Case Study 2: Hurricane Damage to a Grooming Van in Savannah
Brian parked his mobile grooming van in Savannah when a hurricane caused severe flooding, destroying his vehicle and equipment.
His commercial auto insurance covered the loss, allowing him to replace his van and resume business.
Georgia storms can cause serious business damage—make sure you're covered!
Get Covered Today – Protect Your Business Now!
Don’t wait until it’s too late! Protect your mobile pet grooming business in Georgia with the right insurance.
✅ Instant Online Quotes
✅ Custom Plans for Your Business Size
✅ Trusted by Mobile Groomers in Georgia
