Auto Insurance for Breeders, Groomers, and Trainers

Auto insurance for breeders, groomers, and trainers may be a personal or a commercial auto insurance policy. Special considerations for business pet car insurance include the risk of injuries to animals in an accident. The average car insurance rate for a clean record is $258/month, but commercial auto insurance for pet grooming businesses and other pet industries may be more costly.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview:

  • Commercial auto insurance for small pet industry businesses can provide liability coverage for damages to your vehicle and your person.
  • A personal auto insurance policy may be sufficient if you only use your personal vehicle for business occasionally.
  • Commercial auto insurance is worth considering, especially if you’re dealing with other people’s pets.

If you’re in an industry that requires plenty of driving, such as a mobile groomer, you’re probably wondering about auto insurance options. For example, those working in the pet industry may be required to pick up pets from homes, with some even offering mobile pet grooming services.

Below, we’ve collected information about auto insurance for breeders, groomers, and trainers.

If you’re wondering how to buy auto insurance for pet groomers and other pet industry workers, there are several options including commercial auto insurance and personal policies. Independent dog grooming contractors may benefit from dog groomer independent contractor insurance.

Considering all of the options for car insurance for pet breeders, groomers, and trainers is important, especially when you’re using your vehicle for business purposes as well. You’re probably wondering about several things, “What does pet grooming insurance cost?”

We’ve provided a helpful guide that offers plenty of information on auto insurance for pet breeders, groomers, and trainers. Read on and compare rates by using our helpful tool.

Small Business Commercial Auto Insurance for Pet Groomers, Breeders, and Trainers

So, what is the best insurance for dog groomers or other pet industry jobs? One of your best options would likely be looking into commercial auto insurance for small businesses or some other kind of business vehicle insurance.

Commercial auto insurance for pet grooming businesses and similar industries can provide liability car insurance for damages to your vehicle and your person. Depending on your policy, business auto insurance can cover damages to the vehicle, vandalism, theft, damage to another driver’s vehicle, and more. Some companies also offer you the ability to customize your small business auto insurance needs.

It’s also important to consider whether the auto insurance policy you’re considering covers injuries animals might suffer in an auto accident. This is something many business auto insurance policies don’t cover, but there are several special options that do.

While business auto insurance isn’t required in all states, it’s a good idea to have in case you have an accident while driving a work vehicle. Bear in mind that failing to disclose how you use your vehicle to your insurance company can be considered to be insurance fraud, according to the Insurance Information Institute.

Read on for information about using your personal vehicle for business purposes and use our insurance comparison tool to find the best rates in your area.


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Using a Personal Auto Policy for Business Purposes

If you only use your personal vehicle occasionally for business, then a personal auto insurance policy may cover everything you need. Determining how you plan to use your vehicle for pet industry services is the best way of figuring out whether you’ll need a business auto insurance policy.

For example, if you’ll be required to transport a lot of pets or supplies at one time, it might be a good idea to invest in a company van or another type of large vehicle.

If you plan to use the vehicle in question primarily for business, then you won’t be able to cover it with a personal policy.

Also, if you’ll have other employees driving the vehicle, then you’ll likely need some sort of business auto insurance policy. Below, we’ve provided a chart on the average policy rates in the United States based on the driving record.

Average Annual U.S. Auto Insurance Rates by Driving Record Status
Driving RecordAverage Annual Rates
Clean driving history$3,102.08
One speeding violation on record$3,641.34
One accident on record$4,076.60
One DUI on record$4,895.38
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As you can see, auto insurance can already be a major expense, but when you own your own business, it may be worth paying extra for commercial auto insurance.

Using a Business Vehicle for Personal Use

If you’ve purchased a business auto insurance policy for one or more vehicles, you may be wondering if you can use that vehicle for personal use.

This is something you’ll want to consult your insurance agent about, but many insurance companies do cover some personal use on commercial vehicles. However, there are usually many conditions that come with using a business vehicle for personal use.

You’re probably wondering how much business insurance can cost. Read on for more information.

How much does business auto insurance cost?

This can depend on many things, including the type of vehicle you’re using, the amount of time spent driving, the part of the country you live in, and more. Before searching for policies, it’s important to determine your exact needs for the vehicle or vehicles you’ll be insuring.

Though commercial/business auto insurance will put an extra expense on your business, it’s probably a good idea to have all the coverage you can, especially if you’re dealing with other people’s pets.

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What other types of insurance do pet industry professionals need?

If you’re working in the pet industry, there are other types of insurance besides auto you may want to consider. For example, you may want insurance that covers a building you might own, the equipment you use for business, and more.

There are many companies that offer this type of insurance, with popular options including Governor’s Insurance for groomers and Pet Biz Insurance.

Pet grooming insurance cost depends on the company you go with and your specific needs. A lot of these companies also offer pet care insurance and pet insurance that covers grooming.

Easily compare the cost of auto insurance for pet care businesses by using our free comparison tool.


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