Smart, Simple Insurance for Mobile Groomers Who Don’t Miss a Beat
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If Your Business Is Always on the Move, Your Insurance Needs to Keep Up
Running a mobile pet grooming business gives you the flexibility to control your schedule and deliver exceptional care where your clients need it most. But if you’re depending on standard insurance policies—or worse, personal coverage—for your grooming van and equipment, you could be one accident away from a business-ending event.
That’s why in this guide, we’ll walk you through:
- The three must-have policies every mobile groomer needs
- Real examples of costly gaps in coverage
- How to fix your policy gaps in less than 24 hours
- A free Mobile Groomer Insurance Checklist to review your coverage needs offline
The 3 Types of Insurance Every Mobile Pet Groomer Needs
Business Owner’s Policy (BOP)
What it covers:
- General Liability – Client injuries, property damage, or dog bites
- Professional Liability – Claims of grooming mistakes or negligence
- Property Coverage – Tools, dryers, tables, clippers, and your POS system
- Equipment in Transit – Coverage for gear in your van, not just at your home
- Animal Bailee (Pet Protection) – Injury, loss, or death of pets in your care
- Business Income Protection – Lost income if your van is out of commission
This type of policy acts as a comprehensive shield for your day-to-day risks.
Commercial Auto Insurance
What it covers:
- Accident Liability – Medical costs and vehicle damage
- Vehicle Damage – Theft, weather damage, vandalism
- Modifications & Equipment – Custom interiors, generators, and tables
Personal auto insurance doesn’t cover business use. If you’re driving your business and crash, your claim could be denied without this policy in place.
Workers Compensation Insurance
If you employ staff, it’s often required by law. Some states even mandate it for solo operators.
What it covers:
- Injuries from bites, slips, lifting
- Lost wages for recovery time
- Medical bills and rehabilitation
This ensures protection for you and your team if accidents happen on the job.
Real-Life Scenarios You Can’t Afford to Ignore
Van Fire During a Routine Appointment
A generator overheated mid-trim, catching fire and destroying the entire trailer setup.
- Covered: With commercial auto and off-premises property coverage
- Not Covered: $60,000+ in vehicle and equipment losses out-of-pocket
Pet Injury in Your Care
A dog leapt from the table, injuring a leg and requiring $10,000 in surgery and rehab.
- Covered: With animal bailees coverage
- Not Covered: Groomer pays full vet bill and damages
5 Common Insurance Mistakes Mobile Groomers Make
Relying on Personal Auto Insurance
Fix: Get commercial auto coverage immediately.
Skipping Animal Bailee Protection
Fix: Ensure your policy includes explicit pet-in-care coverage.
Assuming Your Tools Are Covered
Fix: Check for mobile equipment protection, not just home-based property coverage.
Underestimating Liability
Fix: Ensure both general and professional liability are part of your package.
Not Carrying Workers Comp
Fix: Protect your team—and yourself—regardless of legal requirements.
What’s Next?
You’ve built a career grooming pets on the move. Let’s make sure your insurance can keep up.
You now know the three types of insurance every mobile groomer should carry—and why they matter. Without coverage for your van, tools, and liability, a single accident could cost your business.
