Best Small Business Insurance
Best Small Business Insurance
As a pet groomer, you’re entrusted with your customer’s most precious cargo: their pets! As a result, your job is more high-stakes than an outsider might imagine. Sure, you’re making cute pets even cuter, but you’re also responsible for their safety and wellbeing while they’re in your care.
Other professionals have third-party human customers, but your clientele might be more likely to run, jump, fly, scratch, bite, or hiss (again, might). As a result, Pet Grooming Insurance is crucial to protect your business.
General Liability Insurance covers a wide array of financial risks that pet grooming businesses face. Even if you’re an independent contractor grooming pets, you’re susceptible to risks that are covered by a Commercial Liability Insurance Policy.
By purchasing a Pet Grooming Insurance policy, you’ll be shoring up your business against the most common financial risks, like bodily injury, medical coverage, and even defense costs.
The cost of your Pet Grooming Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your pet grooming business.
With Thimble, you don’t have to commit to long, expensive stretches of insurance, though. You can access on-demand Pet Grooming Insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.
To get an accurate idea of how much Pet Grooming Insurance would cost for your business, get a quote from Thimble.
Pet Grooming Liability Insurance covers injury to a third party. So say you’re transporting a client’s cat (let’s call her Molly) to and from your workspace, and the cat gets agitated on the bus. Then a well-meaning onlooker (a third party) tries to comfort Molly, but Molly lunges and bites the stranger’s hand. That stranger expects you to cover his visit to urgent care, the stitches, and the medications he had to get as a result of the bite. And all because Molly got a little catty.
3rd Party Property Damage
You’re making a house call, and your client leaves you to bathe her 100-pound Great Dane, Cecilia. Cecilia is friendly but a tad rambunctious, and as you start to bathe her, she spots a mouse (oh no). She suddenly lunges out of your bathing station, bolting for her prey—knocking over vases, dirtying furniture, and even crashing into a TV. Cecilia’s mom expects you to cover the cost of the damages.
A client isn’t satisfied with the dye job you gave Frank, his poodle, and he comes back with a claim that your services caused Frank emotional distress. The client may have requested the service, but he and his purple poodle are taking you to court, and though these claims might eventually be ruled unfounded, you’ll have to pay for your defense costs to go to court.
Your office is located very close to a client’s home, but they’re running late for pickup. You decide to do them a solid and walk their chihuahua, Murphy, home so they don’t have to worry about making the trip. In the few blocks it takes to reach the client, Murphy lunges at a passing cyclist, who veers and crashes into a tree. The cyclist breaks his arm, and suddenly you’re on the hook for the medical costs. Murphy just bats his eyes.
Errors and Omissions
A grooming client requests that you administer their dog’s medication while you tend to his locks. Because their dog, Ringo, is in your care during the time he needs to take his medication, you decide to go along with it. However, when the time comes, you open up Ringo’s pill box and realize there are multiple types of pills, and the owners didn’t specify which one to give him.
You choose the most benign looking one, and give it to Ringo with a treat. All of a sudden, he starts whimpering, so you take him to the vet immediately to make sure he’s okay. After Ringo has a clean bill of health, his parents file a distress and personal injury suit against you for the incident. You could be on the hook for defense costs, damages, court fees, and settlement costs. Mistakes happen, but Pet Grooming Insurance can help you afford even the most expensive mess-ups.
A Certificate of Insurance is a crucial document that allows you to prove the details of your insurance policy to clients and other stakeholders. With the Thimble app, you can access as many copies as you want, for free, in an instant. If you’re purchasing Pet Grooming Insurance to seize an opportunity that requires coverage or you’re simply hoping to show potential customers you’re a professional, having your COI on hand can level-up your pet grooming game.
If you ever perform your pet grooming services outside of the business you work for, then you need your own Pet Grooming Business Insurance policy. Because the Pet Grooming Insurance your employer has only applies to the work you perform through them, any side hustle—however frequent or infrequent—requires your own additional coverage.
You also need to purchase your own Pet Grooming Insurance policy if you rent a space or stall at a pet grooming business. Unless you’re technically an employee of the shop you work at, you’ll need your own insurance policy as an independent contractor to protect the business of you.
The Pet Grooming Insurance offered by Thimble can come with one of two policy limits—$1M or $2M. The limit of your Pet Grooming Business Insurance Policy determines how much you’re covered for in the event of a claim. As a result, investing that little extra in a $2M policy limit could save you from shouldering an extra $1 million on your own.
An important reminder: General Liability Insurance offered by Thimble only covers third-party bodily injury, which means injuries incurred by your customers, but not your employees, is covered. To cover injuries sustained by your crew, consider a Workers’ Compensation Insurance Policy.
First, your Policy Period is the length of your Pet Grooming Insurance policy and refers to the window of time in which claims are covered. Your Exposure Period goes beyond that window of time; it’s like the due date for you to file any claim that happened during the Policy Period. That means you can file a claim after you’ve completed a job and after your policy period is expired—you just have to file it before your Exposure Period expires, too. Thimble allows you to customize your Policy Period down to the hour, but we’ll typically assign an Exposure Period based on the Policy Period you choose.
Accessing the benefits of Pet Grooming Insurance only takes a minute with Thimble. You simply have to provide a few details about your pet grooming business and your desired coverage length. Just like that, you’ll get an instant quote that outlines the costs and details of a Pet Grooming Insurance Policy that matches your needs. If you decide to purchase the policy you’re quoted, you’ll have your paws on a Certificate of Insurance immediately.
Pet insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.