Protection for professional dog groomers
Explore income and mortgage or rent payment protection that could help with regular commitments if an accident, sickness or eligible unemployment interrupts your work.
Availability and benefit depend on your circumstances, the cover selected and policy terms. Unemployment cover may not be available to everyone.
Understand the options
We can talk through the protection available alongside your grooming insurance and explain what a policy would pay, when payments could start and when they would stop.
Income protection option
If you cannot work because of a covered accident or sickness, a policy may pay a monthly benefit for a limited period. An unemployment option may be available if you meet its employment and eligibility rules.
The benefit is tied to your earnings and subject to a waiting period, limits and exclusions. We will explain the terms before you decide.
Mortgage or rent option
Protection may be available to help with the monthly cost of a mortgage or rent when a covered event prevents you from working. The amount and duration depend on the policy selected.
This is payment protection. It is not a mortgage loan, mortgage advice or life insurance that clears the outstanding mortgage balance.
The current scheme
The limits below describe the income protection option currently shown on our main site. Your quotation and policy documents will confirm whether each part is available to you.
Up to 12 months
Potential benefit period following a valid claim.
Up to £2,000
Monthly income benefit, capped at 65% of gross monthly income if lower.
Up to 150%
Of a monthly mortgage or rent payment under the housing payment option.
These are maximums, not guaranteed payments. Eligibility, the selected sections, waiting periods, excesses, underwriting, policy definitions and exclusions apply. Confirm all limits against the current insurer wording before purchase.
Shape the conversation
Salon, mobile or home-based, employed or self-employed.
Income, housing payments or both, depending on availability.
Check claim triggers, evidence, waiting period and exclusions.
Questions to ask
Usually there is a waiting period before benefit starts. The length depends on the policy chosen, so check how long your savings or sick pay could cover you.
Accident and sickness options may be available, but eligibility and evidence of earnings differ between policies. Unemployment cover may not apply to self-employed people. We will check the actual terms with you.
No. The mortgage or rent payment option is intended to help with monthly payments for a limited period after a valid claim. It is not life cover that repays the outstanding mortgage balance.
The amount depends on your earnings or housing payment, the option selected and the insurer's policy limits. Your quotation and policy wording will show the applicable calculation.
Speak to a person
Tell us about your grooming business, your income and the payments you want to protect. We will explain what may be available and the important limits.
