Dog Bite Insurance - Page 1

Do any of you carry this liability insurance on your dogs.

To be honest, I've never pondered that, but it is an intriguing subject. I think it could be a false sense of security if you could find that policy, because statutory law would likely remove a dog from one's custody, at least temporarily, until a decision was made about the public risk posed by the animal. I'll concede even the best trained dog might make a mistake, but I was wondering why you might be considering? I'm not inferring anything derogatory about your dog, but I guess the best insurance is really solid obedience, proofed, and then maintained by ongoing training. I do have one dog myself that is excellent in obedience, but is just a dog hater. I'm selective where I take her. My other dog has high defense drive but she self caps, and is one of the most environmentally sound dogs you could hope to work. She's rock solid no matter where I take her, yet incredibly nasty in defense drive. Can you fill the forum in on your concerns? You may get some great responses.

Have carried insurance on the business and liability since we started fourteen years ago.  It's expensive but the price of peace of mind is priceless.  Check with your local and state laws regarding dogs, dog bites and liability where you live first.  If your dog bites someone, even if provoked, even if it's 100% their fault, you or your business are most likely going to get sued.  Having a solid insurance policy and a dog law versed attorney on retainer or as a contact is the best way to protect your assets and your sanity, whether you are a homeowner, business owner, etc.  Accidents happen, unfortunately.  Liability insurance is a good buffer.

Where do buy it from?

Most carriers won't cover bite work training

If your dog is personal, rather than business, your homeowner's or renter's insurance may or may not cover dog liability (bite, scratch, knocking someone down, causing an injury, killing another animal or a human being, property damage, etc.), or you might need a rider or an umbrella policy.

Some breeds are excluded from some policies, and even the same insurance company may differ from state to state. Some jurisdictions require liability insurance for all dogs, or only specified breeds or weights, or optional (not required), or something else. Special rules usually pertain to a dog, which has been adjudicated vicious.

If business/working dog, your business insurance may or may not cover the dog(s), or you may need a separate policy.

If government, such as in a police department, it will depend on the status of your dog (department-owned, owned by you, owned by you and leased to the department, etc.), employment contracts, insurance specifics, etc.

Shop and do your homework. Some insurance carriers are better than others, and prices can vary significantly. Depending on your circumstances, it might be worthwhile to consult an experienced animal attorney for recommendations, etc.

NOT legal advice.

Where do buy it from?

Most carriers won't cover bite work training

^^Have you looked into Sportsmans Insurance?