Pet business insurance cost

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dog groomer grooming a Cavalier King Charles Spaniel dog

If you’ve found a way to make money from your love for pets, we’re envious. However, running a pet care business comes with a paw-sitively enormous amount of risk. Below, we’ll cover how much Pet Business Insurance costs and how it can protect your fur-filled business financially if a pet in your care gets injured or causes injury to someone else.

Now that the cat’s out of the bag, we’ll discuss average Pet Business Insurance costs by policy length, the factors that will determine your premium, the type of coverage you’ll receive, and more.

How much does Pet Business Insurance cost?

Thanks to Thimble’s customizable plans, pet business owners can purchase insurance by job, month, or year. This means you don’t have to pay for coverage when you don’t need it, and that sounds pretty great to us.

Here are the average costs of Pet Business Insurance by policy length:


Hourly	$4.97
Daily	$12.29
Weekly	$34.98
Monthly	$29.46

Quick thinking insurance for small businesses.

What factors influence Pet Business Insurance cost?

Many factors come into play when calculating your Pet Business Insurance cost, like the size of your business and the number of customers you have. When we’re determining your specific premium, some additional variables we consider include:

Business location

The location of your business will impact your insurance cost. If you run a grooming business in a high-traffic area, for example, the risk of accidents tends to be higher, which will factor into your Pet Business Insurance cost.

Policy length

If you need insurance for the day to cover you for an afternoon dog walk, or for an entire year because you run your business full-time, the cost will vary significantly. You could qualify for a more cost-friendly rate when purchasing a plan for a longer duration.

Crew size

The number of employees in your business will factor into your Pet Business Insurance cost. More staff means more risk, which will likely lead to higher costs.

Amount of coverage you need

Just as you charge more for more pets under your care, you will usually pay a higher premium for greater coverage limits.

Additional coverages

Additional coverage will increase your cost, but you’ll also have broader protection. For example, Business Equipment Protection covers the equipment you carry with you between jobs and starts at $6 per month in addition to a Thimble Monthly general liability insurance policy.

What does Pet Business Insurance cover?

Don’t let a lawsuit or accident put your business in the doghouse. As a business owner, it pays to be protected with the following types of coverage:

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General Liability Insurance

General liability insurance or “CGL” provides coverage against third-party claims for property damage, bodily injury, and personal and advertising injury. That means the everyday accidents that can happen on the job: slip and falls, flying tools, or spilling coffee on a customer’s laptop—you get the idea. CGL is one of the most basic types of insurance for small businesses.

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Professional Liability Insurance

Professional liability insurance, also called errors & omissions (E&O) insurance, covers claims of financial loss as a result of providing—or failing to provide—professional services properly.

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Business Equipment Protection

Business Equipment Protection is a type of first-party insurance that covers business equipment that you own, rent or borrow and is used in connection with your business. (Other insurance companies for small businesses call it inland marine insurance, but we like to keep things clear and simple.)

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You’re barking up the right tree with Thimble

Regardless of whether you’re a doggy daycare operator, trainer, dog walker, pet groomer, or pet sitter, you need Pet Business Insurance to safeguard you financially in case something goes wrong.

At Thimble, we like to keep things simple. With us, you get fewer questions and more options. Just click “Get a Quote,” download our app, or give us a call if that’s your preference. We’ll have you covered in minutes, so you can get back to your four-legged friends.

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Pet Business Insurance Cost FAQs

Will I be covered for injury or loss to a pet in my care?

Yes. Although most policies exclude loss or injury to pets, Thimble’s Pet Business Insurance removes this exclusion. If something happens to a pet under your care, we can help cover the financial consequences.

I run a mobile pet grooming business. Will Pet Business Insurance cover me?

Pet Business insurance will cover you for third-party liabilities such as injuries or property damage to others. But we also recommend that you purchase commercial auto insurance. Commercial auto is similar to your personal automobile policy, but it covers vehicles owned by your business.

One of my employees slipped on the soapy floor in my pet salon. Would Pet Business Insurance have covered the cost of her injuries?

Pet Business Insurance only covers injuries to a third party, such as a customer. For work-related injuries to your employees, you will need workers’ compensation insurance, which is required by most states.

How can I prove to my customers that I have Pet Business Insurance?

Easy. When you purchase insurance with Thimble, you can access a Certificate of Insurance (COI) directly from our app and download as many COIs as you need for proof of coverage at no additional cost.