Thanks for taking the time to discuss with me over the phone the insurance requirements for the groomers within the Association.
The most important cover required by your groomers is Public & Products Liability or Business Legal Liability. The general minimum for this cover is $10,000,000 and it extends to cover property damage or bodily injury to third parties as a result of the insured’s negligence. A good example of this in relation to the work your groomers are doing it if they injured a dog or owner of a dog whilst grooming. The policy extends to indemnify the insured for any claims against them resulted from their negligence. These claims can get very involved and expensive and without any cover the groomers are leaving themselves open to legal action from a third party that they would have to cover themselves.
The other covers WFI can off is the tools of trade cover whilst they are mobile, as well as their commercial vehicles & trailers. We can also cover Personal Accident cover for the groomers themselves should they have an accident and it leaves them unable to work. It then covers them for a weekly wage up to 104 weeks on the nominated amount.
Please have no hesitation in contacting me with any queries or your groomers are welcome to contact me directly to assist with their insurance requirements.
I look forward to assisting you further.
Sharon McGowan ANZIIF CIP
Level 20 221 St Georges Tce, Perth