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According to the Canadian Animal Health Institute (CAHI), there were roughly 7.2 million pet dogs and 8.2 million pet cats in Canada in 2024. With more and more Canadians treating pets like family, the demand for grooming services is booming. But whether you're trimming nails in Toronto or running a mobile spa in Moose Jaw, working with animals brings unique risks that standard business insurance just doesn’t cover.
From bite injuries and allergic reactions to equipment damage or a slip in your salon, one unexpected incident could put your business (and your reputation) at risk. That's where BrokerLink can help. Our pet groomer insurance policies are tailored specifically for Canadian grooming professionals, from salon owners to mobile groomers, and everything in between.
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Pet groomer insurance is a tailored type of business coverage created for Canadians who provide hands-on care and grooming services for animals. It’s not the same as a standard small business policy because grooming comes with its own unique risks, such as bites, scratches, allergic reactions, equipment damage, or even claims of injury or neglect.
This coverage is designed to protect your business, your tools, and your reputation, so you can focus on caring for your furry clients without worrying about what could go wrong. A comprehensive pet groomer insurance policy typically covers things like:
Animal injury or illness while in your care
Liability claims if a pet owner or visitor gets hurt on your premises
Damage or theft involving your grooming tools, salon, or mobile unit
With over 60% of Canadian households now owning at least one dog or cat, and pet spending on the rise, groomers are busier than ever. But that also means more risk, more liability, and more reasons to protect your growing business with tailored coverage.
From salon owners grooming a steady stream of dogs and cats in downtown Vancouver to mobile groomers visiting rural clients across Nova Scotia or Alberta, BrokerLink offers grooming insurance tailored to the way you work.
If you're working with pets in a professional capacity, whether part-time, full-time, on wheels, or in a brick-and-mortar space, grooming insurance is a must. It helps cover the unique risks of working with animals, equipment, and people every day. Pet grooming insurance is ideal for:
Veterinary clinics that offer pet grooming services
Independent pet groomers operating solo or as contractors
Home-based groomers providing services from a dedicated space
Salon owners running storefront cat or dog grooming businesses
Mobile pet grooming businesses offering in-home or mobile-based services
Pet spas and multi-service studios that offer add-ons like boarding, bathing, or retail
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There are more than 15 million cats and dogs in Canadian homes and rising, and pet care services are growing right alongside them. But more pets mean more appointments, more client expectations, and more chances for something to go wrong. Whether it’s a nervous dog that bites during a nail trim or an allergic reaction to shampoo, pet grooming comes with real risks that standard business insurance just may not cover.
But while groomer insurance isn’t legally required in Canada, many groomers still choose to carry it. Not only does groomer insurance help protect against a range of risks that come with working hands-on with animals, but clients often expect you to have it and require proof of insurance before booking your services.
That said, if you use a vehicle for your business, whether it’s a mobile grooming van or just your personal car used for getting to and from client visits, you will need commercial auto insurance because your personal auto insurance policy won’t cover accidents that happen while you're working. In fact, your insurance provider could deny a claim if your vehicle is being used for business purposes outside the scope of your personal coverage.
Whether you're snipping, sudsing, or styling, running a pet grooming business in Canada means working with sharp tools, unpredictable animals, and, literally, lots of moving parts. And while you’re busy keeping tails wagging, it’s important to protect yourself from the risks that come with working hands-on in a service-based business.
Here are some of the most important types of coverage to help protect your cat and dog grooming business:
Professional liability insurance
Commercial general liability insurance
Commercial auto insurance
Animal care custody insurance
Tools and equipment insurance
Commercial property insurance
Business interruption insurance
Tenant legal liability insurance
Cyber liability insurance
Umbrella insurance
Also called errors and omissions insurance, this coverage steps in if a client claims your grooming services caused injury or harm to their pet, even if it wasn’t your fault.
This protects you if someone, like a pet owner or delivery driver, gets injured at your grooming space. It covers third-party claims of bodily injury and property damage that may happen during your services.
If you run a mobile grooming business or use your personal vehicle to visit clients, you’ll need commercial auto insurance, as a personal policy won’t cover accidents that happen while you’re working.
This covers injury, illness, or death of an animal while in your care, whether on your table, in your tub, or in transit.
Your clippers, dryers, tubs, and tables aren’t cheap, and they’re essential to your business. This coverage helps repair or replace them if they’re stolen, vandalized, or damaged by a covered peril.
If you operate from a physical location, this coverage protects your business's physical property and everything in it, including inventory, supplies, and furniture, from covered perils that may include fire, theft, vandalism, and certain types of water damage.
When something unexpected shuts your business down temporarily, like a fire or flood, this coverage helps replace lost income while you get back on your feet. It is often included as part of commercial property insurance.
If you lease your grooming space, this coverage protects you if you accidentally cause damage to the property you’re renting. It's important to note that some commercial leases may require you to have it.
If you store client information digitally or accept online bookings and payments, this coverage protects you from situations like data breaches or ransomware.
Also known as extended liability coverage, this kicks in when the coverage limits of your existing liability policies (like general or professional liability) are maxed out.
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Just like every pet has its quirks, every grooming business is a little different, and that means no two insurance premiums are exactly alike. Whether you're running a busy dog grooming salon, offering mobile grooming services, or launching a boutique pet spa, insurance providers look at several key details to determine your premium. Here’s what might influence what you pay:
The truth is that where you operate can make a big difference in your insurance rates. Groomers in larger cities like Toronto, Montreal, or Edmonton may pay higher premiums due to increased foot traffic, property values, and greater exposure to risks like theft, vandalism, or liability claims.
On top of that, if your grooming salon is in a region prone to severe weather, like floods in Ontario or hailstorms in Alberta, your property insurance could be higher. In fact, Canada saw over $1.7 billion in insured commercial losses from severe weather in 2024 alone, with Alberta, Ontario, and Quebec hit the hardest.
Are you grooming solo from a small home setup or managing a team at a multi-station salon? Larger operations usually mean more liability exposure, more equipment to insure, and sometimes even employee-related risks, all of which increase the level of coverage (and cost) you’ll need.
High-end grooming tables, dryers, shears, and software aren’t cheap, and insurance companies take that into account. The more valuable your tools and equipment, the more it could cost to insure them, especially if you choose a replacement cost policy over actual cash value.
Sure, more clients mean more wagging tails, but it also means more risk. If your grooming business sees a high number of pets per week or has a strong income stream, insurance providers may view you as higher risk.
The broader your coverage, the higher your premium, but also the better your protection. A basic policy might include general and professional liability, but if you add optional coverage like animal custody insurance, business interruption, or cyber liability, or you choose to increase your professional liability limit from $2 million to $5 million, your premium will increase.
Have you been a dog groomer for years with no insurance claims? If so, it's likely that your insurance provider sees you as low-risk and rewards you with better rates and discounts. On the other hand, having a history of frequent or recent claims (even small ones) can raise your premium as insurers will see you as a high risk of filing more claims.
Do you need pet grooming insurance in Canada? Contact BrokerLink and let us make sure your business is protected from snout to tail. No matter what type of pet grooming business you run, BrokerLink is here to help you find the right coverage at the best possible rate, so you can focus on the pets, not the paperwork.
You can call, email, or visit us in person at any one of our locations throughout Canada. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool, which can provide you with a competitive groomer insurance quote in minutes.
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Yes, as long as your groomer insurance includes animal care, custody, and control coverage, which protects you if a pet is injured, becomes ill, or dies while in your care. It helps cover vet bills and legal costs if the pet owner sues.
Pet insurance covers vet bills and medical care for pet owners. Pet grooming insurance protects groomers, covering business liability, pet injuries, equipment, and more. One protects the pet; the other protects the business caring for them.
Groomer insurance in Canada is generally affordable, especially for solo groomers or home-based businesses. However, the costs vary based on factors such as location, services offered, revenue, equipment, and coverage limits. To find out how much pet grooming insurance would cost you, consider requesting and comparing free quotes from multiple providers or working with an insurance broker.
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