Pet Groomer Insurance Minnesota

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Pet Groomer Insurance Minnesota Policy Information

MN Pet Groomer Insurance

Pet Groomer Insurance Minnesota. Being a pet groomer in is a dream of many people.

If you love pets, being a pet groomer can be one of the most rewarding careers there are.

But one of the things that you'll have to consider when it comes to owning your own MN business - even a pet grooming business - is getting the right insurance. Let's take a look at some of the pet groomer insurance Minnesota that options you have.

Pet groomer insurance Minnesota protects your grooming business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Pet Grooming Risk

As a groomer, there are several situations that you could be held liable for, like:

  • A dog gets sick while in your care.
  • A cat is injured during an appointment.
  • A pet owner is injured in your business.

Pet Grooming Business Owner's Policy

A business owner's policy is sort of like a packaged policy that covers lots of different things. The business owner's policy, or BOP, is a type of insurance specifically intended for business owners that have an actual place of business and often includes some of the more specific standard types of insurance that you will get.

When it comes to pet grooming, boarding and training, most businesses in this industry have a business owner's policy. The reason for this is that is simply protects businesses and that is important when you're dealing with people's pets. It works in much the same way as a homeowner's policy and helps protect both tangible and intangible business assets.

General Liability

This type of insurance that falls under the BOP is the general liability insurance. General liability insurance is a type of insurance that protects you if something happens to someone that comes to your place of business. This is not the only kind of protection that you get, but it is the most common. For example, if someone slips on your floor and breaks their arm, you will be covered under general liability insurance most of the time.

Commercial Property Insurance

Property insurance is vital for things like fires, some natural disasters and anything else that threatens your actual premises or business property. If you are in the pet grooming business, then you're going to have to have some kind of physical place for you to do your work. But protecting that place is vital to your livelihood. That's why getting insurance against natural disasters, fires, vandalism and more is important.

Business Income Protection

Have you thought about what would happen if your MN grooming business stopped making money temporarily? That's exactly what business income protection insurance is supposed to address. This is a specialized type of insurance and you have to be aware of how works, but the general idea is that it will protect you in instances where business halts operations temporarily and you need time to get back on track.

Additional Options Available For MN Pet Groomers

There are some additional types of insurance that is available for businesses like cat or dog grooming. As a groomer, you know how much animals mean to other people, and that can mean that you get sued for errors and omissions. Luckily, this is a specific type of insurance that you can get to protect yourself.

There is also animal bailee insurance. This is a type of insurance that protects you in case an animal suffers an injury or dies under your care, custody, or control. This type of insurance may help pay for veterinary expenses as well as various other costs that can come with a mishap like this.

You may also want to think about pet groomer insurance Minnesota for the equipment that you have, because if your equipment fails, you are going to essentially be out of business.

Worker's Compensation Insurance

Will it just be you that is grooming, or do you plan to hire employees as well? If you have employees, then you're going to need workers Comp, which protects employees if they get injured on the job and pays for medical expenses and lost wages.

Mobile Pet Groomer Commercial Auto Insurance

If you are a MN mobile pet groomer, then you might need business auto insurance as well. If you drive a vehicle for business, you are going to need commercial auto to make sure you are covered if you hurt someone or damage another vehicle or other property when on the go.

Find Out What Your Pet Business Insurance Options Are

The best thing that you can do is find an agent that can help you choose the best pet groomer insurance Minnesota for your grooming business. There are a lot of different insurance options out there, and you want to make sure that you are covered as much as possible. Talk to an broker and figure out what sort of coverage you want and what options you have at your disposal.

Additional Resources For Children & Pet / Dog Care Insurance

Discover what small business commercial insurance policies cover for children and pet related businesses.


Children And Pets Insurance

Whenever children are involved, an extra level of care needs to be taken when selecting an business insurance policy.

Younger children require more supervision than older children. Each state establishes minimum standards and ratios for children-to-adults based on the children's ages.

Day care facilities must comply with these minimum standards and some exceed them by having additional staff to provide more personal attention and activities.

Pet related businesses have a large liability risk when working with multiple dogs. If one of the dogs bites someone, they can do a of of damage and claims are often in the thousands. Certain breeds of dogs can do major damage if they bite.

Another consideration in the pets themselves - what if they are injured while being groomed or walked? What if one dog attacks another while you are walking them?

If you do not have the right coverage you could have to pay a claim and expensive legal fees out-of-pocket.


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Also find Minnesota insurance agents & brokers and learn about Minnesota small business insurance requirements for general liability, business property, commercial auto & workers compensation including MN business insurance costs. Call us (612) 808-9866.

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