Dog Liability Insurance

Dog liability insurance comes in many different forms, which is why you need to take the time to educate yourself about the different policies out there, and how much coverage you need to protect yourself.

At the minimum you need to realize that many "dangerous dog breeds" are not covered by your typical homeowners insurance policy.

Liability Insurance

Liability insurance can protect your personal property and your business in case someone becomes injured on your property or by a dog that is under your control. For renters, even though you don't own the property, you are responsible for damage done by your dog.

Fact #1
33% of all homeowners
claims involve dog bites.

Some plans can be found between $100-$300, more comprehensive plans are considerably more expensive. When buying this type of policy make sure that your employees actions are also covered under this type of insurance.

Knowing how much coverage you need can be difficult to figure out, buy you should get at least several hundred thousand dollars worth of coverage. In fact some coverage policies go all the way to over $2 million and more.

Talk to an insurance broker, these people are much more knowledgeable than an agent because they are required to be more knowledgeable by law.

An insurance agent will generally just do customer service and the selling of a policy. A broker can help guide you as to how much coverage you need for your pet business.

Dog Bite Insurance

Fact #2
4.7 million dog bites
happen annually!

Liability insurance can also cover you if your dog bites someone on your premises. If you work from home and a dog bites someone while you are around your property you need to contact your homeowner's insurance policy and see if they extend its coverage to you.

Most home owner's insurance policies will prohibit coverage of a dog bite if it happens while you're conducting business in your house. But the only way to find this out is to call your homeowners insurance company.

Medical insurance

Medical insurance coverage is good to have because it helps to avoid lawsuits. If someone becomes injured on your property this fund can be tapped to help cover their medical expenses without the need for them having to sue you.