FAQ: Is My Dog a Liability?
People 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
Top 25 Dog Breeds Labeled Dangerous:
American Bandogge (Neapolitan Mastiff)
Gull Dong (Pakistani Bull Dog)
Fila Brasileiro (Brazilian Mastiff)
Pero de Presa Canario
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.