Cat grooming is a business that provides care and grooming for everything from hair cutting to ear cleaning. While cats are naturally very clean, they also need grooming after a while. For example, cats may develop pus or ticks on their bodies, or they may have skin allergies, which groomers can easily spot. Furthermore, cats' long hair can cause tangles, and their long nails can cause injuries. Therefore, groomers are often taken because they deal with multiple cats daily, and a cat's aggressive behavior during grooming can cause problems. Therefore, having cat grooming insurance is essential for pet groomers. So, today we'll learn more about cat grooming insurance for pet groomer.
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| Cat Grooming Insurance for Groomers and Owners |
So, what is cat grooming insurance? What does it cover? What are their types, and how much does insurance cost in 2025? You'll find answers to these questions, including how to get cat grooming insurance, so keep reading.
What Is Cat Grooming Insurance?
What is the difference between cat pet insurance and cat grooming insurance? Pet insurance covers only the medical treatment costs for cats, while cat grooming insurance covers the groomer's business and liability expenses.
However, cat grooming insurance is a specialized form of pet business insurance for groomers. Cat grooming can be done in three ways: from a home-based grooming studio, a salon, or a mobile service. During all three grooming procedures, any accident can happen to the groomer and their client.
Cat groomer insurance covers the expenses incurred from that accident. When you take your cats for grooming, you are responsible for their safety and well-being.
Cats are unfamiliar with groomers, whether they are in a salon or being groomed at home by a mobile service. Furthermore, they may be intimidated by the grooming setup if it's their first grooming session.
Even after getting used to a grooming session, cats can sometimes become uncomfortable or frightened. They may bite or scratch someone or even damage grooming tools. Furthermore, other equipment may be damaged while trying to control the cat.
Who will compensate for the damage? Cat owners won't, and if something happens to the cat itself, only the owner can sue you. In such a situation, the cover that protects you and your business is called cat grooming insurance. It provides protection to groomers in even the smallest grooming businesses and covers liability expenses. This results in delighted clients and happy groomers.
Why Do Cat Groomers Need Insurance?
In cat grooming, groomers clean, trim, and condition cats' hair. They also trim their nails and provide other skin care treatments. Cat groomers provide all the services you need. In short, groomers provide complete care for cats. These grooming services include the use of cat shampoos, skin care creams, and other grooming tools.
If a cat develops an allergic reaction to a shampoo, injures itself while clipping its nails, or is harmed by a grooming treatment, cat owners can file legal claims against groomers. Cat grooming insurance becomes necessary in these situations. So, what does grooming insurance do?
Pet grooming insurance provides protection against legal claims against groomers for incidents that occur during a cat grooming session. Insurance covers expenses ranging from attorney fees to claim settlements.
Apart from protecting the business, it also compensates groomers for other losses, such as a client's lost keys or an accident involving the grooming van. For all these reasons, pet grooming insurance is crucial for cat groomers. It can protect both small and large professional groomers from financial loss.
What Does Cat Grooming Insurance Cover?
Cat grooming is a business where groomers must protect both their business and clients, so grooming insurance provides comprehensive coverage for every scenario. This insurance offers the following types of coverage.
Coverages Commonly Included in Pet Grooming Insurance
Pet Injury Cover: If cats injure themselves or are injured by the groomer during a grooming service, the insurance covers veterinary expenses for their treatment.
Lost Key Coverage: The clients who visit a groomer can be financially independent. Meanwhile, if such clients lose valuables, the cost can be recovered through insurance.
Equipment Protection: Equipment or tools can be damaged or stolen during routine grooming or while traveling for on-site grooming. Cat grooming insurance offers equipment protection coverage to protect expensive grooming equipment.
Employee and Third-Party Coverage: If you are running a large grooming business and have many employees working for you, then this coverage covers the losses caused by the cat to the employees and the clients taking the service.
Liability Protection: Liability means injury to someone or damage to property, which could lead to a legal claim. Groomer insurance provides legal protection for all such situations.
Types of Cat Grooming Insurance Policies
There are several types of cat grooming insurance policies that provide complete protection for you and your clients. You can choose these policies based on your business needs and protect your business. You need this insurance policy for peace of mind and client trust. So, let's learn about these cat grooming insurance policy types and their coverage.
The types of grooming policies are as follows:
Professional Indemnity Insurance: This insurance provides protection against legal complications arising from mistakes made by groomers while grooming cats or the use of improper products.
Business Interruption Insurance: If your grooming business is running well and suddenly something happens that the business has to be closed or stopped for some time, then you get income compensation through this insurance.
Public Liability Insurance: This provides protection against legal claims if someone in public is injured or property is damaged during your grooming session. In many countries, this liability coverage is mandatory.
Workers' Compensation Policy: Your employees may be injured or hurt by cat attacks during grooming sessions. To provide them with medical care and income compensation, many companies mandate this policy for cat groomers.
Commercial Property Insurance: This insurance is useful for groomers in the event of a natural disaster, technical issues, loss of their salon or home studio and grooming equipment, or a fire or theft, or for a new setup.
Choosing a good pet business insurance policy for groomers can protect you from losses in such incidents. It also gives you the strength to restart a lost business, as insurance protects you from significant financial losses due to fire or other damage.
Across all these types, you'll find that they offer protection to all groomers. Similarly, if modern grooming insurance policies, such as professional groomer insurance and pet groomer liability insurance, are bundled, you get comprehensive coverage.
How Much Does Cat Grooming Insurance Cost?
The cost of cat grooming insurance depends on the size of your business, service type, and more. The higher the coverage limit, the higher the premium of grooming insurance.
Generally speaking, pet business insurance for professional groomers in the US costs anywhere from $300 to $1,000 per year, which translates to a monthly cost of approximately $25 to $85.
Basic grooming business insurance plans are relatively affordable. As your coverage needs expand, such as coverage for theft or damage to business equipment or grooming tools, you can opt for premium plans.
Factors that determine the cost of cat grooming insurance
- Business size
- Type of service provided
- Grooming business location
- Groomer's experience in the grooming service field
- Number of cats and staff at the groomer's place
- Policy coverage limits chosen by the groomer
- Type of coverage the groomer desires
Learn about cat grooming insurance costs through this table.
The table for average cost of cat grooming insurance is below.
How to Get Cat Grooming Insurance in 2025
To ensure you and your business are compliant and trustworthy, choosing the right grooming business insurance policy is crucial. Especially for groomers who care for multiple pets, comprehensive coverage plans with liability coverage along with business protection are crucial. Therefore, when purchasing insurance, consider the following steps for choosing cat grooming insurance.
Steps to Getting Cat Grooming Business Insurance
Step 1: Check the licensing of grooming insurance providers.
It's important to check whether the provider you're considering for cat grooming insurance is registered and licensed. It's also important to check their reputation in the insurance industry. Customer reviews are also crucial to ensure you're not scammed in the future.
Step 2: Compare quotes from multiple companies.
To find affordable cat grooming insurance plans, you'll need to compare quotes from multiple companies. It's also important to know the claim or request rates.
Step 3: Check the inclusions in the plans.
Check whether the providers offering pet grooming insurance coverage include coverage for injury, lost key reimbursement, and liability coverage. This will ensure you don't have to worry about purchasing a policy in the end.
Step 4: Checking the exclusions is crucial.
To determine the coverage you need based on your business needs, you must first understand the exclusions in the policy so you can claim coverage for your expenses. If you haven't checked and the company doesn't cover that item, your claim will be rejected.
Step 5: Purchase the policy online or contact an agent.
As of 2025, most cat grooming insurance providers offer policies to customers online within minutes. So, you can purchase groomer insurance online or contact an agent to purchase a policy.
Insurance for Mobile Cat Groomers
As we mentioned, there are many types of cat grooming services, and mobile cat grooming is one of them. If you're a mobile cat groomer, you'll need the most protection. This is because mobile groomers travel door-to-door to provide services to clients.
During this time, the grooming van could be involved in accidents, cats could be injured, or grooming tools and other equipment could be stolen or damaged. This makes insurance for mobile cat groomers essential. Pet grooming business insurance offers specialized plans specifically for mobile groomers.
Mobile cat grooming insurance covers lost keys, vehicle protection, and replacement grooming tools for the cat. Furthermore, off- or on-site accidents and treatment or repair costs are also included in the insurance coverage.
If you also groom dogs along with cats, some animal grooming insurance providers offer combined cat and dog grooming insurance plans for both cats and dogs. Specialized plans are therefore very beneficial for mobile groomers.
No matter how much you travel, you can feel secure with mobile cat grooming insurance. We'll briefly explain what this insurance covers below.
Mobile cat grooming insurance covers
- Protection of the grooming van or truck (in case of damage)
- Damage caused by cats at the client's home
- Injuries to cats on-site (during grooming)
- Replacement of grooming tools or setup equipment
- Compensation for theft of tools or client keys
- Accidents involving the grooming van on-site or off-site
Common Pet Groomer Insurance Claims
Groomers are often unaware of cat anxiety and the products they may be allergic to, especially when handling a cat for the first time. This is often the reason groomers file policy claims. Without cat grooming insurance, the cost of these legal claims and quick settlements can be enormous. In such situations, your business also suffers. Therefore, most groomers now prefer to insure themselves. Hundreds of groomers file policy claims annually. So, let's explore the common reasons for pet groomer insurance claims.
Common Reasons for Cat Grooming Insurance Claims
- Grooming tools, such as dryers or clippers, break.
- A cat becomes aggressive during grooming and injures the groomer.
- Damage to a client's home, either by the cat or the groomer's fault.
- The cat itself is injured or hurt during grooming.
- Theft of grooming setup equipment.
- Damage to third-party property and injury to the business team.
Is Professional Liability Insurance Necessary for Cat Groomers?
If you're running a cat grooming business, your legal protection is essential, along with other protections. You may be wondering, are we safe with liability insurance? But that's not true. You first need to understand the difference between general liability and professional liability insurance.
General liability insurance covers only bodily injury and property damage, while professional liability insurance protects you from legal claims arising from your own mistakes. Professional liability insurance is crucial for establishing trustworthiness in your business and your business.
If you commit a professional mistake or negligence while grooming a cat, resulting in a cat's health or aggressive behavior, a client could sue you. Additionally, if you use the wrong grooming product, causing a cat to develop a skin allergy or other issues, you could face problems.
In such situations, professional liability insurance is essential for cat groomers. In many countries, this insurance is mandatory for cat groomers.
Veterinary Reimbursement in Cat Grooming Insurance
Groomers also receive veterinary reimbursement through cat grooming insurance. Grooming insurance covers veterinary treatment for cat anxiety or injuries during grooming. Or, if cats develop allergic reactions to certain products, the resulting vet bills can be covered. This also reassures clients that their pets are being well cared for and that you prioritize their cats' health.
Veterinary reimbursement rates depend on your policy. Generally speaking, pet groomer insurance for injuries and accidents can pay anywhere from $500 to $2,000 per claim. This will increase your business credibility and increase your clients' trust in you as a professional groomer.
Insurance for Small Grooming Businesses
Some cat groomers work as freelancers or part-time groomers. Some operate from home-based grooming studios. These businesses face lower risks than other mobile cat grooming and salon grooming businesses.
Investing in comprehensive coverage plans for small grooming businesses isn't affordable. Therefore, pet grooming insurance for small businesses offers protection to freelancers and small groomers at an affordable price.
These affordable cat grooming insurance plans are specifically designed for small businesses, starting at $30 per month. These plans provide coverage for both liability and property damage for small business groomers.
You can save money by purchasing specialized coverage plans from Insurance for Small Grooming Businesses instead of comprehensive coverage cat grooming insurance. And as your business grows, you can expand your coverage.
Conclusion
Cat grooming insurance for pet groomers provides legal and financial protection to both small and large groomers. Regardless of the type of grooming service you provide, cat groomer insurance is essential for all types of services. Pet grooming insurance provides legal and financial protection to groomers by covering damage and injury to cats, the groomer himself, or third parties during grooming. With professional groomer insurance, you not only protect yourself and your business but also enhance your credibility and professional client trust. Groomers and cat owners also benefit from the veterinary reimbursement offered by cat grooming insurance. Cat grooming insurance is a legal requirement.
Frequently Asked Questions
Q1. Do I need insurance for my cat grooming business?
Answer: Whether you run a small or large grooming business, it's essential to have cat grooming insurance. This ensures the safety of yourself, your clients, and your cats. If you run a larger business and work with employees, business insurance provides coverage for workers' compensation. Cat grooming insurance also covers the costs of legal action taken by a client for professional negligence, injury to a cat, or third-party damage during grooming.
Q2. What happens if a cat is injured during grooming?
Answer: If you groom cats and injure them during a grooming treatment, cat insurance does cover it. You can provide veterinary treatment for injured cats, and the cost can be covered by cat grooming insurance. Even if a cat is injured during mobile grooming, you can receive pet grooming insurance reimbursement for the cost of treatment or the client's settlement. The percentage of this reimbursement depends on your insurance company and your deductible.
Q3. Can I get coverage for both cats and dogs combined?
Answer: Yes,You can obtain insurance coverage for both dogs and cats together. Most pet grooming insurance companies offer combined coverage policies for both animals. This enables you to obtain coverage for both pets at once. These plans provide liability and accident coverage for both dogs and cats. You won't have to purchase separate grooming insurance policies for both. So, yes, you can get insurance coverage for both cats and dogs.
Q4. Does cat grooming insurance cover on-site or home services?
Answer: Whether you operate a home-based cat grooming service or provide an on-site mobile grooming service, cat grooming insurance covers both services. Specialized, flexible, and affordable coverage plans are also available for home-based or freelance cat groomers. Mobile grooming offers coverage for everything from property damage to accidents.
Q5. Can cat grooming insurance protect against lawsuits?
Answer: Cat grooming insurance definitely protects you from legal claims. These policies are specifically designed to provide financial and legal security to cat groomers. The public and professional liability coverage provided in this cat grooming insurance policy protects cat groomers from legal claims made by clients and also covers expenses incurred during the process.