Running a grooming van, boutique, or both—like Sarah from Happy Paws Collective—means juggling wiggly pets, sharp tools, and tight schedules. But did you know a single accident could cost your business thousands?
Even the most experienced groomers encounter unexpected situations. With tight workspaces, sharp tools, and unpredictable pets, occasional accidents can happen—and some can come with a hefty cost..
This guide outlines 5 of the most common grooming-related risks, how to minimize them, and how the right insurance can support your business if something serious does go wrong.
1. Nail Trim Injuries: Small Mistake, Big Consequence
A quick clip into the quick can lead to serious infection—and a four-figure vet bill.
Even with years of experience, accidents happen. One unexpected jerk, or a black nail that hides the quick, can result in bleeding, inflammation, or worse.
Case Snapshot:
Max, a Labrador, developed an infection a few days after a nail trim. The owner was upset, and the business had to step in to help with vet care.
Prevention Tips:
- Use high-quality clippers with guards
- Make multiple shallow trims rather than one deep cut
- Train staff to identify quicks on both light and dark nails
- Keep styptic powder close at hand
- Consider grinders for anxious or squirmy pets
Recommended Insurance:
Professional Liability + Animal Bailee
2. Dog Fights on Premises: When Pets Don’t Get Along
Even friendly dogs can lash out under stress—and you’re liable if it happens on your watch.
Salon lobbies, grooming areas, and mobile setups can become high-stress zones that trigger unexpected aggression.
Case Snapshot:
A Beagle and Spaniel got into a scuffle in a salon lobby. Total claim: $3,200 in emergency vet bills.
Prevention Tips:
- Keep pets leashed or crated at all times
- Design separate entry and holding zones
- Stagger appointment times to minimize overlap
- Train staff in body language and de-escalation techniques
- Ask about pet aggression history in your intake forms
Recommended Insurance:
Animal Bailee + Workers’ Comp (if staff intervenes and is injured)
3. Falls from Grooming Tables: A Silent, Serious Risk
A 36-inch fall for a dog is like a two-story drop for a human.
Falls from grooming tables can be more dangerous than they seem—especially for small or senior pets.
Case Snapshot:
Bella, a Shih Tzu, fell when her groomer turned to grab scissors. The resulting injury led to a $3,800 vet bill.
Prevention Tips:
- Never leave pets unattended on grooming tables
- Use non-slip mats and quality restraints
- Ensure grooming arms are secure and properly adjusted
- Use calming aids like music, scents, or treats
- Position tables away from foot traffic and noise
- Brush up on table safety tips
Recommended Insurance:
Animal Bailee + Professional Liability
4. Car Accidents: The Mobile Groomer’s Hidden Risk
Mobile grooming vans are both vehicles and workspaces. That dual role comes with specific risks worth preparing for.
Whether parked or on the move, mobile grooming vans come with unique risks.
Case Snapshot:
A groomer’s van was sideswiped while parked. The pet onboard needed medical attention, and the van required repairs—leading to lost income during downtime.
Prevention Tips:
- Install anchored crates or pet restraint systems
- Perform daily vehicle safety checks
- Use cones and signage when parked
- Avoid grooming during severe weather
- Invest in defensive driving training
- Follow best practices from Groomer’s Choice
- Review ASPCA’s pet travel safety tips
Recommended Insurance:
Commercial Auto + Animal Bailee + Business Interruption
5. Eye Injuries from Shampoo: A Painful (and Costly) Accident
Even the gentlest shampoo can cause problems if it gets where it shouldn’t.
Most grooming products are designed to be safe for pets—but when shampoo or soap accidentally gets into a dog’s eyes, it can cause irritation, redness, or even corneal damage. These situations can lead to vet visits, prescription medications, and follow-up care—all of which add up quickly.
Case Snapshot:
SLuna, a Miniature Poodle, flinched during her bath, and a splash of shampoo made direct contact with her eye. Despite being rinsed immediately, she later developed an ulcer that required veterinary care and follow-ups totaling over $3,200.
Prevention Tips:
- Ask about known allergies on intake forms
- Always patch-test new products
- Rinse thoroughly, especially in folds and under paws
- Keep detailed records of products used
- Offer “owner-supplied only” product options for sensitive pets
- Learn more about allergic reactions to grooming products
Recommended Insurance:
Professional Liability + Animal Bailee
Essential Pet Groomer Insurance Coverage at a Glance
| Claim Type | Coverage Needed | Why It Matters |
| Nail Trim Injury | Professional Liability + Animal Bailee | Covers vet bills + service-related errors |
| Dog Fight | Animal Bailee + Workers’ Comp | You’re liable even if pets were “friendly” |
| Table Fall | Animal Bailee + Professional Liability | Serious injuries = serious claims |
| Car Accident | Commercial Auto + Business Interruption | Covers vehicle damage and pet injuries |
| Skin Reaction | Professional Liability + Vet Reimbursement | Especially helpful for delayed reactions |
Conclusion: Don’t Let a Simple Mistake Break Your Business
After years of grooming, it’s easy to think you’ve seen it all. But even with expert handling, top-tier products, and best intentions—accidents happen. The most successful petpreneurs don’t just work hard… they work covered.
Protecting your business means protecting your clients, your team, and your peace of mind. Whether it’s a jump from the table or a surprise shampoo reaction, the right insurance helps you recover—faster and smarter.