FAQ_category: (HIDDEN) Industry FAQs

• Workers’ Compensation is legally required in most states if you hire employees. 

• Landlords typically require general liability before leasing space for a grooming salon. 

• Mobile groomers may also need commercial auto insurance to operate legally. 

• Some pet service contracts, boarding facilities, or franchise agreements require proof of coverage to protect both the groomer and their partners. 

Yes, with the right coverages: 

• Animal Bailee Coverage protects pets in your care if they are injured or harmed. 

• General Liability covers third-party property damage or client injuries inside your shop. 

• Workers’ Compensation helps cover staff injuries, such as bites or burns from dryers. 

• Commercial Property Insurance protects your building and grooming equipment from covered events. 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Dog groomers handle live animals, sharp tools, and frequent customer interactions. The core policies include: 

• General Liability – Protects against third-party injury or property damage claims (like a client slipping in your shop). 

• Animal Bailee Coverage – Specialized protection if a pet is injured, lost, or harmed while in your care. 

• Commercial Property Insurance – Covers your grooming salon, equipment, and supplies against fire, theft, or vandalism. 

• Workers’ Compensation – Required in most states if you have employees; covers workplace injuries like bites, cuts, or repetitive motion strain. 
• Professional Liability Insurance – Protects against negligence claims tied to grooming services.

• Business Owner’s Policy (BOP) – A package that combines liability and property insurance, often at a lower cost. 

Yes! If you hire employees, most states legally require you to carry workers’ compensation. This coverage is essential in the pet care industry because: 

• Injury Protection – Covers medical bills and lost wages if an employee is bitten, pulled by a dog, or injured while walking pets. 

• Legal Compliance – Workers’ comp laws vary by state, but nearly all require coverage for businesses with employees. 

• Business Stability – Protects your business from lawsuits tied to workplace injuries. 

Even if you work alone, some dog walkers choose occupational accident coverage as an alternative, so they are protected if they get hurt on the job.