Dog Ownership - Personal Liability Exposure

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Dog Ownership RisksPeople pick dog breeds for all kinds of reasons, and “man’s best friend” can turn into man’s worst enemy depending upon the situation and temperament of the animal. Many people forget to mention that they own animals when disclosing their property insurance risks. Dog Ownership - Personal Liability Exposure is just another way of saying that certain breeds considered by experts to be “aggressive” can limit your liability coverage and insurability if that animal is on a restricted breed list by your home and liability policy company? Animals can cause serious bodily injury to others including biting, scratching, or knocking people over. Even docile animals can turn aggressive out of fear, stress or with the approach of a stranger. Small children and the elderly are among the most susceptible to life threatening bodily injury at the hands of an animal attack. Your dog can cause damage to your neighbor’s property, and attack other animals they encounter which you may be found liable through ownership of your animal.

There are many factors that play a role when assigning a “danger” level to a dog but most critics and researchers disagree as to what these factors are. Consequently, it’s unfair to callously label a dog as dangerous or aggressive. Nevertheless, it can’t be helped that some dog breeds have more potential to cause serious harm to a person if the dog were to decide to attack. Therefore, the 25 most dangerous dog breed list focuses on the potential of a dog to cause serious injury to a victim. It is important to note however that most dogs are bred with the desire to please their masters. Thus most incidents involving dogs stem from improper training, non-socialization with other animals, neglect and harsh ownership.

Non-Fatality Dog Bite Case Settlements:    c/o Mike Morse Law Firm

  • Pitbull                                       $475,000                                4 inch scar on the arm
  • Gordon Setter                     $250,000                                13 centimeter laceration on forehead
  • Chow Chow                           $90,000                                   28 stitches under left eye
  • Rottweiler                             $175,000                                Injuries to right breast including multiple scars

Did you know the top 25 “dangerous” dog breeds?:

  • Tosa Inu
  • American Bandogge  (Neapolitan Mastiff)
  • Cane Corso
  • Bull Terrier
  • Rhodesian Ridgeback
  • Dogo Argentino
  • Boer Boel
  • Gull Dong  (Pakistani Bull Dog)
  • Basenji
  • Saint Bernard
  • American Bulldog
  • Great Dane
  • Fila Brasileiro  (Brazilian Mastiff)
  • Pero de Presa Canario
  • Akita Inu
  • Boxer
  • Wolf Hybrid
  • Chow Chow
  • Doberman Pinschers
  • Huskies
  • Alaskan Malamutes
  • Rottweiler
  • German Shepherd
  • American Pitbull
  • Caucasian Ovcharka

It is important to discuss your Dog Ownership - Personal Liability Exposure with your insurance agent, so that if there is an animal exclusion on your home or personal liability policy, steps can be made to prevent policy cancellation, non-renewal or excluded coverage. Not every insurance company has restrictions on these 25 breeds, so proactive discussion with your agent is key to provide ongoing protection of your family, pet, and also your assets.

Swingle, Collins & Associates specializes in Dog Ownership - Personal Liability Exposure for personal property and casualty insurance coverage in Dallas, Southlake, Highland Park, and Plano. The descriptions of coverage listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. For additional information of how Swingle, Collins & Associates can assist in meeting your Dog Ownership - Personal Liability Exposure coverage needs for property and casualty insurance please contact your dedicated risk manager to discuss the benefits and services of personal homeowners insurance coverage.

The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverage, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.