What Kind of Insurance Do I Need for a Mobile Dog Grooming Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Oct 31
- 2 min read
Running a mobile dog grooming business offers flexibility, convenience, and growing demand—but it also comes with risks. From pet injuries to vehicle accidents, having the right insurance coverage is essential to protect your business, your clients, and your equipment.
At Wexford Insurance, we specialize in helping mobile pet groomers find tailored insurance solutions that fit their unique operations. Whether you’re just starting out or expanding your grooming van fleet, here’s a breakdown of the insurance policies you should consider.
Why you need it:
This coverage protects you from third-party claims involving bodily injury or property damage. For example, if a dog is injured during grooming or a client’s property is damaged while you're parked at their home, general liability insurance helps cover legal and medical costs.
Why you need it:
Also known as errors and omissions insurance, this policy covers claims related to grooming mistakes—such as accidental cuts, burns, or allergic reactions to products. It’s essential for mobile groomers who provide hands-on services.
Why you need it
Your grooming van is your mobile salon. Personal auto insurance won’t cover business-related accidents, so you’ll need commercial auto insurance to protect your vehicle, passengers, and liability while on the road.
Why you need it:
Grooming tools like clippers, dryers, tubs, and hydraulic tables are expensive and essential to your business. Equipment insurance covers theft, damage, or breakdowns—helping you avoid costly downtime.
Why you need it:
If you hire employees, most states require workers comp. It covers medical expenses and lost wages if an employee is injured while working, such as lifting a dog or slipping in the van.
Why you need it:
Even mobile businesses may have a physical location—like a home office, storage unit, or supply hub. Commercial property insurance protects these spaces and their contents from fire, theft, or natural disasters.
Why Insurance Matters
Insurance isn’t just a legal requirement—it’s a smart investment in your business’s future. It helps you:
Build trust with clients
Meet licensing and contract requirements
Avoid financial setbacks from accidents or claims
Operate with peace of mind
At Wexford Insurance, we work with mobile grooming businesses to create customized insurance packages that fit your size, services, and budget.
Final Thoughts
Whether you’re grooming out of a single van or managing a fleet, insurance is a critical part of running a safe and successful mobile dog grooming business. With the right coverage, you can focus on what you do best—keeping pets clean, healthy, and happy.
Ready to protect your mobile grooming business?
Contact Wexford Insurance explore coverage options tailored to your needs.
