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Governor Insurance Agency



Companies serving the pet industry need insurance to protect themselves from possible liabilities and other unplanned events. It gives them financial security by paying for costs related to bodily injury, property damage, professional negligence, accidents, and losses that may happen during operations

Types of insurance policies that cover
common risks faced by pet groomers:

Product Liability

Product liability insurance is a specialized form of coverage and typically pays legal fees, settlements, and judgements arising from covered claims.

Business Interruption/Loss of income

Should your business be interrupted for any number of reasons, a business interruption insurance policy will replace your loss of income or profits until you are back up and running again. Business interruption insurance is important for many businesses, but especially those companies located in areas that commonly experience hurricanes, earthquakes, or tornados.

Disability Coverage

Disability insurance is an important part of your financial planning, especially for individual business owners who do not have coverage from an employer. Disability insurance provides a partial paycheck in the event you cannot work due to an injury, illness, or short- or long-term disability. Policies will typically provide 40 – 60% of your normal salary, which can help pay for things like your mortgage or rent, car payment, food, utility bills, and childcare.

General Liability

Having your own business is extremely rewarding, but it also opens you up to liability. You can easily protect your business and your future with general liability insurance which is designed to protect against lawsuits and claims filed by third parties such as competitors, vendors, customers, or other people and organizations. You can purchase a general liability insurance policy as a stand-alone policy, through a business owner’s policy, or through a commercial package policy.

Pollution Liability

Pollution liability insurance is a specialized form of liability coverage that helps businesses manage pollution cleanup costs and defend themselves against liability claims related to pollution mishaps. Most policies provide protection for claims related to small-scale contamination of groundwater, soil, or air.

Business Property Coverage

If something happened to your physical place of business, would you be able to continue earning a living? Commercial property insurance can help ensure you recover quickly in the event your physical business assets are damaged or destroyed.

Business Income and Extra Expense Coverage

Business Interruption protects the policyholder against lost profits as a result of direct damage to your scheduled premises. This coverage will provide for business income for the actual loss sustained. Typically this is for a 12 month period after the occurrence. Extra Expense provides payments for those extraordinary expenses necessary to continue operations after physical damage to your scheduled premises.

Pet Business Specialist Since 1986. Call us for a Pet Groomer Insurance Quote, Mobile Dog Groomer Insurance Quote, Kennel Insurance Quote

Business Automobile Coverage

Business Automobile Liability coverage will protect you against claims arising due to personal injury and property damage caused by an accident with your insured vehicle. In addition to your Business Automobile Liability coverage, we provide coverage for physical damage to the cab, chassis and customization of your mobile grooming van or trailer.

Pet Business Specialist Since 1986. Call us for a Pet Groomer Insurance Quote, Mobile Dog Groomer Insurance Quote, Kennel Insurance Quote

Workers’ Compensation Coverage

Workers' Compensation Insurance is a "no-fault" insurance coverage that applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental including death resulting from an accident. Only occupational diseases are covered. It is recommended that if your business has any employees, subcontractors or independent contractors, you take the proper steps to protect yourself, as well as your employees, subcontractors or independent contractors.

Workers' Compensation Insurance for Pet Groomer Insurance, Mobile Dog Grooming Insurance and Kennel Insurance Policies provides the payment of four types of benefits:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits
  • Provides Employers Liability coverage for injuries

Cyber Liability

A cyber liability policy can help protect your business in the event you fall victim to a data breach, ransomware, phishing attack, or even a password attack. Recovering from any of these can be costly and time consuming. Cyber insurance can help you bounce back by covering expenses for recovering compromised data, attorney fees, forensics costs, regulatory compliance, and media communications to manage the breach.

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