If you’re a contract groomer working for someone else, or if you own your own grooming salon, or if you groom from your home, you’re in the right place! There is one BIG difference between a pet grooming business and other types of businesses – it’s the pets! That’s not news to you, but most insurance policies ignore the pets. PROfur™
Dog and cat groomers need specialized insurance to protect against the professional liability risks of grooming and the expenses resulting from the accidental injury or loss of the dogs themselves while they’re in your care. We have made it easy for you get a customized, cost-effective PROfur™ insurance policy that does a complete job of covering your dog grooming or cat grooming business. It’s pet grooming insurance specifically designed just for groomers.
Pet Grooming services covered include:
- Coat Dying
- Ear Cleaning
- Expressing Anal Glands
- Eye Cleaning
- Hair Cutting/Styling
- Nail Clipping
- Merchandise Retailing (excluding choker collars, products repackaged or re-labeled by you, hardware or food/treats that are manufactured or modified by you)
Coverage Extensions Are Available for:
Want to know a little more about the insurance groomers should have? Check out this Canadian Groomer Insurance Article and this International Professional Groomers Article.
PROfur™ Masterplan Key Coverages
Click on in the table for more information
Protects against lawsuits alleging your service or advice caused injury or loss to a pet.
Allows you to make the best of a bad situation by being able to cover unexpected expenses incurred to care for pets injured or lost while in your care. This feature has the unique benefit of not requiring you to be sued in order to use the coverage.
Includes replacement cost coverage for tools, equipment and stock owned by your business while it is on the premises of your business, plus any renovations or leasehold improvements you are responsible for. Broad, multi-peril coverage is provided – in other words, the policy protects you against a wide variety of things that could damage your property such as fire, theft, vandalism and sewer backup among others.
Protects against accidental injury to others, including pets, or accidental property damage. For example, this is designed to defend you if you are sued for negligence after a customer slips and falls in your grooming salon, or if something were to fall and injure a pet in your care.
Covers tools and equipment while they are in transit, or in storage or in use at a location not specifically listed on your policy. For example, you may bring your some of your grooming equipment home with you, or to various grooming salons where you’re contracted to groom. This is broad, multi-peril coverage. The settlement value will be based on the cost to replace the tools and equipment new less depreciation.
This is a package of various coverages included on all PROfur Masterplan policies. It is designed to maximize your protection by covering gaps that often arise unpredictably after a claim.
The policy also insures pets while they are being transported in your care (i.e. If you have to take them to the vet; if you offer pickup or drop-off service).
Covers lost profit and pays for necessary ongoing expenses if your business is interrupted or closed due to a property damage claim. For example, if your grooming shop suffers extensive water damage after a storm and you’re closed for 2 months while it’s repaired, the policy will reimburse you for the profit you’ve lost and it will pay for necessary operating expenses that continue even while you’re closed, such as your salary and loan payments.
Coverage is also included for extra expenses you incur to avoid or minimize the interruption of business after a claim. For example, if your grooming shop suffers extensive damage after a fire and you’re closed for 3 months, this coverage can be used to cover the costs of relocating your business and advertising to let your customers know where to find you.
Covers reasonable expenses incurred to find or attempt to find a pet that has escaped or been stolen (i.e. advertising, travel, pet transport, veterinary services).
Insures your electronic equipment (or your electrical panel, wiring, air conditioner) against damage from electrical disturbances (like power surges and brown outs) and mechanical breakdown, and more importantly, it covers the lost profit and necessary ongoing expenses (like your salary) if you’re closed due to the equipment breakdown. Many commercial leases require you to carry this coverage. You can find out more info about the coverage at www.profur.ca/equipment-breakdown-insurance/
to help determine if it’d be beneficial for you. Note that this coverage is automatically included on some policies.
Allows you to post a reward for the safe return, or for information leading to the safe return of a customer’s pet that has escaped or been stolen from your care.
These 2 benefits help to pay for expenses incurred for you to establish the amount of your loss after a claim and to prepare the Proof of Loss form that you’re required to submit before a claim can be paid. For example – your business is shut down for a month to clean up after the sewer backs up into your daycare after a storm. You will likely need to hire an accountant to establish how much profit was lost while you are closed before you can be reimbursed by the insurance company.
Covers reasonable expenses incurred to remove pets from your premises in the event of an emergency to protect them from further harm (i.e. Pet transport, temporary daycare or boarding).
Coverage for injury of your own dog if injured while assisting with training services.
All coverages are subject to the limits of insurance purchased and the usual Terms, Conditions, Exclusions and Warranties of the underwriter, Intact Insurance. Deductibles may apply to some of the listed coverages. More detailed coverage information will be provided with your quote.