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Looking for complete business insurance? Nationwide offers affordable
policies specifically designed for your pet-related business.
Let’s Talk About Protecting Your Pet Shop, Supply or Grooming Business
Listed below are some of the more common worries and concerns shared by pet-industry business owners, along with some ways Nationwide can help. When you’re ready to speak to an agent, find one using our Professional Locator.
For more information about business insurance, be sure to check out our Insurance Glossary and Common Questions.
| Your Worries | The Solutions | |
|---|---|---|
| What you think about | How you can help yourself | How Nationwide can help |
| What if an animal in my care is injured or dies? |
Make sure safety precautions are in place Be certain employees are well trained | |
|
If my business sells pet food or animal care products, do I need additional coverage? |
Don’t repackage or re-label products Pay attention to product recalls | General Liability
Coverage Products Liability Coverage |
| A customer slips and falls in the grooming area, or is bit by another animal. |
Review Pet Store Safety
Checklist Review Preventing Slips, Trips and Falls Safety Bulletin Clean up pet accidents and water spills quickly Mark wet areas with a “wet floor” sign | General Liability
Coverage Umbrella Insurance |
| What if my pet grooming equipment breaks? |
Make sure your equipment is regularly maintained and serviced Utilize surge protection for electronic equipment | Equipment
Breakdown Coverage Property Coverage |
| What if something happens to my outdoor store signs? |
Have a regular maintenance program in place for your outdoor
property Make sure you purchase a sign that can withstand the elements in your area. | Property Coverage Outdoor Sign Coverage |
| What if my mobile grooming van is badly damaged in an accident? |
Address driving safety in the company handbook Review Accident Procedures Safety Bulletin Review Driver Distraction Safety Bulletin Review Driver Fatigue Safety Bulletin | Business
Auto Coverage Business Umbrella Coverage |
| One of my dog groomers is experiencing a Repetitive Motion Injury. |
Train employees to properly lift, secure and clip animals to minimize
lifting injuries, biting or scratching injuries, or repetitive motion
injuries. Review Ergonomic Written Program Elements Safety Bulletin Review Ergonomics in Action Safety Bulletin | Worker’s
Compensation Coverage |
| I have employees who run business errands. Is my business protected if they are in an accident? |
Work with your agent to obtain frequent driving record checks | Business
Automobile Coverage Non-Owned Automobile Liability Coverage |
| What if my pet store is broken into after hours and money and animals are stolen? |
Install a monitored burglar alarm system Make frequent bank deposits to limit the amount of money on hand after hours Review Crime Prevention Tips Safety Bulletin Review Pet Store, Supply and Grooming Safety Checklist |
Money and Securities Coverage Property Coverage Crime Insurance |
| I keep detailed records of animal sales or grooming clients. What if my records are destroyed? | Keep backup copies of your information in a fireproof safe | Valuable Papers and Records Coverage |
| What if I have a fire and forced to close my business during my busiest time of the year? | Review Pet Store, Supply and Grooming Safety Checklist | Business Property
Coverage Peak Season Coverage |
| One of the groomers shaved a dog when it was supposed to be trimmed | Make sure groomers are thoroughly trained |
Pet Groomers Professional Liability Coverage* *Nationwide does not offer Professional Liability Coverage for pet groomers, but we can work with a partner company to help you find coverage. |
| A customer pulled a huge bag of dog food onto himself from a top shelf, injuring his back |
Post signs asking customers to request help to get large or heavy
objects Review Pet Store, Supply and Grooming Safety Checklist | General Liability
Coverage Medical Payments Coverage |
| I have a number of employees and want to avoid any issues with discrimination, harassment or wrongful termination. |
Outline policies and procedures regarding discrimination and
harassment in your employee handbook Review Hiring Practices/Employee Selection Safety Bulletin | Employment Related Practices Liability Coverage |
| What if a power surge or interruption of electrical service outside my business causes breakdown of my equipment and systems? | Utilize surge protection devices to protect your electrical equipment |
Utility Services Coverage Equipment Breakdown Coverage |
| What if my grooming business is held up and several dogs are stolen? |
Maintain a monitored alarm system Review Crime Prevention Tips Safety Bulletin | Personal Property of Others Coverage |
Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.
