Dog care insurance varies based on location and services offered. Mobile grooming insurance covers house calls and may include compensation for lost wages and damage to the cleaning truck. Fixed location insurance covers accidents and property damage. Pet owner insurance covers illnesses and injuries but not training or grooming.
The different types of dog care insurance are based on where the business takes place and the specific services offered. Comprehensive dog grooming mobile insurance plans are required for services that provide house calls. These plans may offer coverage for the cleaning truck and sometimes provide some type of compensation for lost wages if the vehicle is damaged in an accident or requires service. Other insurance plans are designed with a fixed location in mind, and some are geared toward groomers who operate out of kennels, veterinary offices, or pet stores. Most insurance plans available to pet owners do not include dog care coverage, although sometimes services like training and grooming may be available with comprehensive plans.
Dog care insurance is designed to protect caregivers from the different types of financial liabilities that can occur during the operation of a business. Most basic hairdresser insurance policies are aimed at professionals who work from a fixed location. These policies usually include some form of general liability insurance that will pay for accidents that occur, including medical bills and other expenses that may arise from a pet or worker injury. Another feature of these policies is usually a commercial property clause, which will pay for any damage to the building, equipment, or other property.
Moving businesses generally need grooming insurance with all the features of a typical insurance policy, although there are also some unique concerns that can be addressed. Since these businesses typically rely on a mobile cleaning truck, it is common for the policy to cover those vehicles. Any accident that occurs when a grooming truck is driving to or from an appointment will usually be covered by a mobile dog grooming insurance policy. Some of these policies also include a business income clause. This type of additional coverage can offset any loss of income that occurs when a dog grooming truck is out of service for repairs.
Another type of dog insurance is offered to pet owners, rather than business owners. This type of insurance generally pays for expenses such as injuries and illnesses, although immunizations and other preventive care may also be covered. Most of these insurance plans do not cover services that are outside the scope of emergency treatment and preventive care, such as preparation or training. However, some comprehensive plans may cover these types of services, and some discount plans offer savings on both veterinary bills and grooming products.
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