Pet liability insurance is aimed to protect you, the insured, from any risk of liability claims that may arise in the event that he or she is sued for damages due to an accident or loss caused by your pets.
If you have ever owned a pet larger than a goldfish you know that it can be a handful to handle it. This happens when your pet is still young and untrained, or just untrained.
Pets are playful and fun to be around but if your pet hasn’t been trained properly sometimes you’ll see that things can go a little out of hand.
Pet Liability Insurance
Liability insurances cover those costs for you and as well as you would want that insurance for yourself you’ll also want it for your pet. If you have an animal pet that can potentially do harm (even though you know that it will never happen), you should cover yourself. Luckily there are many insurance companies that will help you out but you will need to take action before something happens.
Business of Pets
On the other hand, if you have a business dealing with pets, like you are a dog trainer, a pet sitter, a pet grooming store, a dog walker, it would be a good idea to have pet liability insurance. This protects you against clients’ claims from any possible incident that could cause injuries or damages that may occur where their pets are involved while under your care and attention.
Whether the damage is unintentional or not; damages from incidents like when you’re walking a client’s dog and the dog slipped and fell, or when a client’s dog gets loose and bites someone, general liability insurance can cover you and help protect your assets.
Finding the Right Liability Insurance
Make sure you read and review properly and understand what is covered and what is not covered. Understand the definitions, like bodily injury, and property damage. Most pet insurers have set limits on dog bite liability coverage based on breed. Normally, breeds commonly excluded from coverage include Pit Bulls, Bully Breeds, Doberman Pinschers, Rottweilers, Akitas, and German Shepherds.
However, if you just do your homework and do a thorough research, you will find that there are a few that have no breed restrictions at all. This is what you need to find if you are an owner of the abovementioned breeds.
Companies to Consider
Most popular insurance companies do not offer pet liability insurance due to the fact that they claim that this kind of liability insurance coverage would be offered generally within a homeowner’s or renters’ insurance packages.
However, there are a few companies that do specialize on this kind of insurance. Here is a list that you may want to look into in case you find that you need this type of insurance [source: DogBiteLaw.com]:
- Einhorn Insurance Agency: Insuring Animals, Residents & Property Owners
Phone: 858.336.4644
Email: agent@einhorninsurance.com
Website: www.einhorninsurance.com - Lester Kalmanson Agency, Inc.
P.O. Box 940008
Maitland, Florida, 32794-0008
(407) 645-5000 - Eva Reed, The Ohio Insurance Exchange
117 West Main Street, Ste 103
Lancaster, OH 43130
800.473.1215 Phone
740.681.9945 Phone
740.681.9997 Fax - Evolution Insurance Brokers
Rick Lindsey, President / Underwriter.
Phone: (801) 304-5510
Fax: (801) 304-5595
We are looking for insuance for our Exotic Bird expo in March of 2010 Can you help us?
I am trying to locate canine liability insuance for my 60 lb pointer mix. Please tell me which insurance companies write it without homeowners or renter’s insurance?