Pet groomers work in a very sensitive trade, and every client trusts them to look after man’s best friend’s best interests. After all, when you have a pet in your care, you have an obligation to do your job safely, professionally and with the client’s expectations in mind.
Still, you cannot prevent the risk of something possibly going wrong, either through your services or through an unexpected hazard. In any case, the ramifications could be very costly, and you want to ensure you have the appropriate financial support to fall back on. Your commercial insurance portfolio can provide that solution, and if you own a small grooming business, then the perfect coverage might be found in a business owners policy (BOP).
With a BOP in place, you’ll be able to gain easily managed, customizable commercial insurance that will always be there to help you whenever an unexpected problem arises.
What Type Of Business Insurance Do Pet Groomers Need?
Pet groomers need insurance as much as any other business, but their coverage must offer tailored protection for their specific assets and liabilities. The advantage of buying coverage through a BOP is that you’ll get several core policies that makeup the backbone of any business’s insurance portfolio. The BOP will provide these benefits in a single place, at a single price, which can make managing your coverage much easier at the end of the day.
Coverage offered within most BOPs includes:
- Liability: This component of the BOP provides protection for your business from claims against you by someone else. So, if someone claims you injured their pet, then this coverage can help you compensate them for the expenses of helping their buddy get well again. This coverage can also help cover incidents in which non-employees become hurt at your location.
- Property: Whether you own the building you work in or rent it, having business property insurance is important. It offers coverage for your owned property, be it a business structure, equipment furnishings or other items. It can help you repair or replace these items following hazards like theft, fire, severe weather and more.
- Business Income: This component of a BOP can help you to continue to pay employees and business expenses if you have to shut the business down due to an unexpected peril. For example, if a fire occurs, the BOP can help cover your overhead costs while you rebuild.
What’s important to remember is that you must customize your BOP to suit your needs, and as a groomer, you are going to face some very specific liabilities. Therefore, you’ll want your coverage to include the right combination of benefits to always maximize your ability to keep your business on a stable footing despite any setbacks.
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