Auto Insurance for Breeders, Groomers, and Trainers (Rates & Discounts)
Breeder, groomer, and trainer auto insurance rates can be higher than rates for other occupations because companies like GEICO consider these high-risk jobs. GEICO's average monthly rate for breeder, groomer, or trainer auto insurance is $165, compared to $105 for lower-risk jobs. To protect your pet grooming mobile and business, you also need business owner and commercial insurance, which you can buy through your insurer or companies that sell coverage for mobile pet groomers, trainers, and breeders.
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UPDATED: May 2, 2021
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- If you own a business working as a breeder, groomer, or trainer, you’ll need personal auto insurance coverage, commercial coverage, and a business owner policy
- Some specialty insurance companies offer insurance coverage specifically for breeders, groomers, and trainers
- Your auto insurance rates may be higher as a breeder, groomer, or trainer than if you worked in another job because some companies consider these occupations to be high-risk
Are you a breeder, groomer, or trainer? If so, you may be wondering what you need to know about breeder, groomer, and trainer auto insurance. Is it affordable? Will a personal policy be sufficient? What is the best breeder/groomer/trainer auto insurance company?
Understanding auto insurance is key to figuring out what kind of coverage you need. Read this article to find out more.
If you’re ready to start shopping for affordable breeder, groomer, or trainer auto insurance, use your ZIP code in the free tool on this page to start comparing breeder, groomer, and trainer auto insurance quotes today.
What is breeder, groomer, and trainer auto insurance, and why is it important?
As a breeder, groomer, or trainer, there are several requirements you’ll need to meet to operate your business legally. For example, in addition to a standard business license, you’ll need an animal welfare license if you live in a state like Iowa.
You’ll also need specific insurance coverages to make sure you’re protected while you’re working, particularly if you own your own business.
If you’re using your personal vehicle for your business (as a pet grooming mobile service, for example), you’ll need to make sure it’s covered by a personal auto insurance policy that meets at least the minimum liability requirements set in your state.
However, that personal policy only makes sure you’re legally able to drive because when you’re using your personal vehicle for business purposes, your personal policy won’t apply. You’ll also need a commercial auto insurance policy to cover you in the event of an accident while you’re on the job.
Finally, you’ll need a business owner’s policy to protect your income and company property.
You can get a general business owner’s policy from your insurance company, but there are also insurance companies that specifically offer coverage for breeders, groomers, and trainers. These specialty policies often include coverage specific to working as a breeder, groomer, or trainer.
This coverage can include:
- Protection for your vehicle if you’re a mobile pet groomer
- Income protection if your car is damaged in such a way that it inhibits your ability to perform work
- Coverage for animals that are injured, die, or disappear while under your care
Keep reading to find out how much breeder/groomer/trainer car insurance could cost you.
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How much does breeder, groomer, and trainer auto insurance cost?
If you work in pet grooming or as a breeder or trainer, you’re probably wondering how much insurance coverage will cost you. We don’t have exact rates for the business and commercial coverage you’ll need, but we do have some information on personal car insurance rates.
Some insurance companies consider being a breeder, groomer, or trainer a high-risk occupation. GEICO was one of the first insurance companies to look at the risk level of occupations as a factor in adjusting rates for personal auto insurance coverage.
Take a look at this table to see how average GEICO breeder, groomer, and trainer auto insurance coverage compares to the GEICO average rates for lower-risk occupations.
|Occupation||Perceived Occupation Risk Level||Average Monthly Auto Insurance Rate||Average Annual Auto Insurance Rate|
|Military Officer (Air Force O1)||Low Risk||$139.47||$1,673.60|
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As you can see, with the high-risk occupation of breeder, groomer, or trainer, you’ll pay quite a bit more for your personal car insurance than lower-risk occupations.
If you’re wondering how to find inexpensive commercial auto insurance, the best place to start is by comparing rates from multiple companies (which you can do with the tool on this page) to make sure you’re getting the best price.
Auto Insurance for Breeders, Groomers, and Trainers: The Bottom Line
As a breeder, groomer, or trainer, you want to make sure you’re protecting your business by getting the right insurance coverage. This includes buying a personal auto insurance policy to drive legally, a commercial policy to cover you while you’re using your vehicle for work, and a business owner’s policy that provides liability coverage, income insurance, and commercial property coverage.
Ready to buy breeder, groomer, or trainer auto insurance? Take a minute to enter your ZIP code into our free tool to start comparing breeder, groomer, and trainer auto insurance rates right now.