PetGroomer.com Magazine
41
April / June 2021
The Importance of Having Pet Groomer/Mobile Groomer Insurance In many ways, a pet groomer or mobile groomer’s business is like many other small, independent businesses. But there’s one huge difference that can mean everything for the survival of your business should something go wrong and that’s the pets. In order to protect them and yourself, you need to make sure you have the right coverage for any scenario. Standard commercial liability insurance covers accidents, fire and human injuries, but even though you’re in the pet business, that type of coverage ignores liability related to the death or injury of the pets themselves. You want to make sure you and your employees are covered against claims brought against your business for the rendering or failure to render your professional services in the course of your operation - for example, coverage that pays for the direct loss of an animal that a client leaves in your care. That’s why you need specialized pet groomer insurance to cover what you need, not just what a typical business would need.
pletely on your own and require the kind of coverage to address that fact. Yet most insurance policies, including some types of pet service insurance policies, don’t address the key needs of your specific business. Being mobile and traveling to your work location adds complexity to your insurance situation that’s beyond standard insurers. For instance, did you know that the very advantage of mobility, which is the main definer of your business, is precisely what also puts you in financial risk? You need to make sure you have comprehensive business coverage, as well as specific coverage for your van or trailer, including insuring your van or trailer conversion and the loss of use of your specific mobile unit. Let’s say you’re traveling to an engagement. You get on the highway and someone changes lanes recklessly and causes the driver in front of you to swerve. They lose control, you don’t have time to stop, and there’s a collision with plenty of damage. Thankfully no one is hurt, but your van is out of commission until it can be fixed, plus some of your grooming equipment has suffered and must be replaced. With spe-
Not only do brick and mortar pet businesses need specialized coverage but mobile groomers do as well. Mobile groomers are a different breed eGroomer and have different needs.Copyright You’re©comJournal 2011 Find A Groomer Inc. All rights reserved PetGroomer.com Magazine www.petgroomermagazine.com Subscribe Free
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