Importance of Contents Insurance for your Dog Grooming Business
Over the last 4 weeks, two groomers have contacted us to say they have sadly experienced a fire and devastatingly lost all of their equipment. They both had contents insurance, however they have both unfortunately suffered as a result of their contents value. We have been helping them to get back on their feet by supplying personalised starter packs, but we wanted to write this blog post to try and help other dog groomers.
Becoming a dog grooming salon owner is a very rewarding, physical and flexible profession, however it is a costly business to set up from scratch. Therefore, we would like to share with you some reasons why insuring your equipment is essential and the importance of choosing the right contents cover value. Insuring your salon with contents cover is crucial to help prevent the risk of losing the business you have put your heart into building.
Contents insurance covers you for damage to your equipment from fires, floods, burglary or theft etc. A basic dog groomer starter pack costs upwards of £1,500.00, therefore contents cover is a must-have to protect the equipment you have invested in. Without your grooming tools, your business will come to an abrupt stop. Therefore, until you are able to get any damaged or lost items replaced, you will unfortunately be unable to continue earning an income.
The amount you cover will vary depending on the value of your contents, however for a typical grooming salon, we would recommend a minimum contents cover of £8,000+. We would advise you to work through your salon area and add all the contents up to help you decide on a minimum contents cover. Plus bear in mind that many contents insurance policies have an excess, which means you’ll have a minimum amount to pay whenever you make a claim.
Top Tip – make a list of everything you have in your salon and take photos for insurance companies, so if the worst was to happen, you would be able to quickly work towards getting your items replaced. It is surprising how easily it is to forget certain smaller items even when you work with them everyday.
Here at Mutneys, we are always here to help. If you’ve experience the worse, for example your salon has been broken into or you have experienced a fire or flood, contact us and we will do everything we can to help you get back on your feet as soon as possible. We can provide a personalised starter pack, as well as speak to the insurance company for you to help speed up the process.
Insuring your business is essential as it ensures your equipment is protected and allows you to relax. You can get insurance tailored to your business needs, meaning you’ll only pay for the cover you need. We all hope that we never have to use it, but insurance is one of those things that every dog groomer needs.