Insurance for pet grooming and boarding

Pet grooming and boarding log 5.8 recordable injuries and illnesses per 100 full-time workers, 152 percent above the private-industry figure of 2.3 and number 6 of the 54 trades on this site. That record is what an underwriter sees first, and it is why the checklist below leans on workers' compensation and liability limits.

Tailor the checklist

1Pet grooming and board 5.8 per 100
2Private industry 2.3 per 100
3Rank of 54 #6

Total recordable cases per 100 full-time workers, 2024: this trade against private industry and the 54 trades on this site. Bars to scale. Source: BLS SOII Table 1.

Recordable cases

5.8

per 100 FTE, 2024

Serious cases (DART)

34% of all cases

Fatal injuries, 2024

n/a

count not published

Workforce

124,998

full-time equivalents

What goes wrong in this trade

Bites and scratches to staff, and claims when an animal in your care is injured, lost or falls ill; GL forms often exclude animals in your care, custody or control.

The checklist for pet grooming and boarding

GL
General liability
Injury to customers and their property on your premises; ask how animals in your care are treated.
Not required by federal law. Required in practice by most contracts, landlords and many state contractor licences.
WC
Workers' compensation
Required once you have employees in nearly every state.
Required by state law in nearly every state once you have employees; the employee-count threshold and exemptions are set state by state and are not reproduced here.
Auto
Commercial auto liability
Mobile grooming vans and pet transport.
State minimum auto liability applies to business vehicles. Interstate for-hire carriers of vehicles 10,001 lb GVWR and up must carry the 49 CFR 387.9 minimums ($750,000 non-hazardous property; $1,000,000 oil; $5,000,000 bulk hazmat).
E&O
Professional liability (E&O)
Claims that a grooming or boarding service was carried out negligently.
Not required by federal law; some state licences and client contracts require it.

Red tags mark policy types that a law or licence usually requires; green tags are what contracts, landlords and clients ask for. Tailor the list for your situation (no employees, no vehicles, alcohol) with the checklist tool.

What the injury record means for the premium

Pet grooming and boarding: total recordable cases, cases with days away/restriction/transfer (DART) and cases with days away from work, per 100 FTE, 2024, columns to scale.

Workers' compensation is rated on payroll and class, then adjusted by your own loss history, so a trade with 5.8 cases per 100 workers starts from a high base rate before an underwriter has looked at you. 34 percent of those cases involved days away, restriction or transfer, the ones that carry indemnity as well as medical cost. The practical consequence: a documented safety programme and a clean experience modifier are worth more here than shopping carriers.

The nearest trades by injury rate are ambulance services (5.9), carpet and upholstery cleaning services (5.6), assisted living and retirement communities (5.5); the same payroll insured in those classes would start from a similar workers' comp base.

Legal, licence or contract?

Fixed by law

Workers' compensation once you have employees, in nearly every state (threshold and exemptions set by the state; not reproduced here).
State minimum auto liability on any vehicle the business operates.

Asked for by contracts and licences

Getting quotes. Take this checklist to a broker who writes pet grooming and boarding — ask them to quote each line separately so you can see what the 5.8-per-100 class rate is doing to the workers' comp figure versus the liability lines. This site does not sell or quote insurance.

Sources: BLS Survey of Occupational Injuries and Illnesses, Table 1 (2024), incidence rates per 100 full-time workers; BLS SOII Table 3 (2024), hours worked by detailed industry; BLS Census of Fatal Occupational Injuries, Table A-1 (2024). Fatal rate per 100,000 FTE is derived (count ÷ hours × 200,000,000) and approximate. Checked 2026-10-24.