Pet Grooming

What Does GL Code 16402 Cover?

ISO GL class code 16402 covers businesses primarily engaged in grooming pets, including washing, clipping, styling, and related services. This code classifies operations where animals are handled directly, presenting unique general liability exposures related to animal behavior and client interaction.

Who Uses This Class Code?

This code applies to pet grooming salons, mobile pet groomers, independent pet stylists, and businesses offering pet bathing and grooming services. It specifically targets operations where the primary service involves the physical grooming of animals.

Common GL Claims for This Class

Common claims include animal bites or scratches to customers or employees, pets escaping from the premises, and injuries to animals during the grooming process, such as nicks from clippers or adverse reactions to products.

Coverage Tips for Code 16402

• Ensure your policy includes animal bailee coverage to protect against loss or injury to animals in your care, custody, or control.
• Verify that your general liability policy covers incidents involving animal bites or scratches to clients or third parties.
• Maintain meticulous records of pet health, temperament, and any pre-existing conditions to aid in claim defense.
• In Florida, be aware of local ordinances regarding animal care and handling, as compliance can impact insurance coverage and liability.