Animal bailee
Injury, illness, escape or death of an animal in your care.
Business Insurance
Pet grooming insurance for animals in your care.
The animal in your care is, in insurance terms, somebody else's property. That is what animal bailee cover exists for.
Grooming businesses take temporary custody of animals that are legally the client's property and emotionally rather more than that. Injury to an animal during grooming, an escape, or a reaction to a product are the claims that define the trade, and general liability alone does not address them.
Animal bailee and grooming injury
Animal bailee cover responds to injury, illness, escape or death of an animal in your custody. It is the equivalent of care, custody and control cover in other trades, and it is the section this business actually claims on.
Clipper burn, nicks, reactions to shampoo and heat injury from drying equipment are the routine claims. Clear intake records noting existing conditions, matting and temperament are the practical protection.
What it covers
The parts of a pet grooming insurance policy
Professional liability
Claims arising from the grooming service itself.
General liability
Client injury on the premises, including bites in the waiting area.
Equipment and premises
Tables, dryers, tubs, clippers and retail stock.
Working with us
What we do differently
We are an independent agency, so we place your pet grooming insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Carry animal bailee cover — general liability does not cover pets in your custody
- Record existing conditions, matting and temperament at intake
- Confirm cover for mobile grooming if you work from a van
Common questions
Pet Grooming Insurance, answered
What is animal bailee cover?
Cover for animals in your temporary custody — injury, illness, escape or death while in your care. General liability treats a client's pet as their property, so this is a separate and essential section.
Am I covered if a dog is injured during grooming?
Under animal bailee cover, generally yes. Intake records noting existing conditions, matting and temperament make a substantial difference to how the claim is handled.
Does it cover mobile grooming?
It can, but mobile work needs declaring so the vehicle and the away-from-premises exposure are properly rated.
Related cover
Often arranged alongside this
Animal Services Insurance
Boarding kennels, doggy daycare, trainers and pet sitters all hold animals belonging to other people, often overnight and in groups.
Read moreBeauty Salon Insurance
A slip in the waiting area is general liability. A chemical burn from a colour service is not. Salons need both, and they are genuinely different policies.
Read moreBusiness Insurance
A shop, a contractor and a software firm face entirely different risks. We place commercial cover across multiple carriers rather than fitting you to one company's template.
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