Usually, yes. General contractors typically require subcontractors to carry their own general liability coverage and provide a certificate of insurance before work begins. Without your own policy, the general contractor’s insurer may charge them for your uninsured work, which can cost you the job. Carrying your own painters insurance also protects your business directly, since a claim against your work does not disappear just because a general contractor is involved.
FAQ_category: (HIDDEN) Industry FAQs
- Workers’ Compensation is legally required in most states if you hire employees.
- Landlords typically require general liability before leasing space for a grooming salon.
- Mobile groomers may also need commercial auto insurance to operate legally.
- Some pet service contracts, boarding facilities, or franchise agreements require proof of coverage to protect both the groomer and their partners.
Yes, with the right coverages:
- Animal Bailee Coverage protects pets in your care if they are injured or harmed.
- General Liability covers third-party property damage or client injuries inside your shop.
- Workers’ Compensation helps cover staff injuries, such as bites or burns from dryers.
- Commercial Property Insurance protects your building and grooming equipment from covered events.
In most cases, yes. Personal auto policies generally exclude vehicles used for business, so a grooming van or trailer typically needs a commercial auto policy to be properly covered. Commercial auto is required by law in most states for business-owned vehicles. It can also extend to permanently installed grooming equipment like tubs and dryers built into the van.
Usually not on its own. Most general liability policies exclude damage to property in your care, custody, or control, and pets are legally considered property. Animal bailee coverage is the policy designed to protect pets while they are in your hands. Groomers should confirm it is included before binding any dog grooming insurance policy.