You Bring the Grooming. We Bring the Coverage.
Protecting the groomers who come to the pet
Mobile pet grooming combines two businesses in one, and each brings its own risk: a grooming operation and a vehicle on the road. The grooming itself puts animals in the groomer's care, where a nick from clippers, a clipper burn, heat stress in the van, a fall from the table, or a stressed animal that bites can each lead to a claim — and because the pet is in the groomer's custody, these are care-custody-and-control exposures a general liability policy often excludes. The van is a mobile salon with water, power, a generator, and expensive equipment, driven between clients' homes all day. Add injuries on a client's property and the occasional animal that doesn't want to cooperate, and the exposure spans the animal, the van, and the driveway.
Insuring a mobile groomer is about covering the animal in your care and the salon you drive to reach it.
Key Risks in Operations
Injury to animals in the groomer's care — cuts, clipper burns, and heat stress
Professional liability for grooming that harms a pet
Animal death on the table or from stress during grooming
Auto exposure driving the grooming van between clients
The van as a mobile salon — water, power, generator, and equipment
Animal bites and injuries to the groomer
Client-premises injury and property damage during visits
The pet in your custody is the exposure a GL policy most often excludes.
Core Coverages
Animal Bailee / Care, Custody & Control Coverage — Covers injury to or death of a pet in the groomer's care — the exposure standard general liability excludes.
Professional Liability — Responds to claims that grooming services injured a pet.
General Liability — Protects against third-party injury and property damage at clients' homes and properties.
Commercial Auto Coverage — Covers the grooming van and driver between appointments.
Commercial Property / Equipment Coverage — Covers the van's build-out, water and power systems, and grooming equipment.
Workers' Compensation, Cyber, Umbrella / Excess Liability — Round out the program for staff, booking data, and larger limits.
What's Commonly Overlooked
Mobile pet grooming programs are often weakened by:
Relying on general liability that excludes injury to the pet being groomed
No care-custody-and-control coverage for animals on the table
The van's build-out and equipment underinsured
Auto and professional exposures treated as a single simple policy
Client-premises injury during home visits overlooked
These gaps typically surface at claim time — not before.
A pet is nicked, burned, or injured during grooming
An animal is injured or dies from stress or heat in the van
A dog bites the groomer during a session
The grooming van is in an accident between appointments
A client's property is damaged during a visit
A single animal-injury claim often falls in the gap a GL policy leaves open.
Why Proper Placement Matters
Coverage varies significantly based on:
Van build-out, water and power systems, and equipment value
The animals handled and their size and temperament
Whether the groomer has employees or is solo
Service area and driving exposure
Client-premises and home-visit practices
Improper placement can leave the animal-in-care exposure — the heart of the business — uninsured.
Our Approach
At Cory Washington & Co., we insure mobile groomers around the animal in your care and the van that gets you there — care-custody-and-control and professional liability for the pet, plus auto and equipment coverage for the mobile salon. For related businesses, see our pet grooming business, pet boarding and daycare, and dog walking and pet sitting pages.
You bring the grooming. We'll bring the coverage.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages a mobile pet grooming business may carry — core, prevalent, and situational — plus the gap most often missed, in the Mobile Pet Grooming Coverage Checklist.
Complete the Mobile Pet Grooming Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get mobile pet grooming insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate mobile pet grooming insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What does mobile pet grooming insurance cost?
It depends on your exposure. Mobile pet grooming insurance is priced on factors like your industry, size, prior claims, and the limits and deductibles you select — so two businesses rarely pay the same. We shop your account across competing carriers and present the trade-offs in plain English.
Is mobile pet grooming insurance required?
It depends on your situation. Some coverage is required by law; more often, mobile pet grooming insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.