Search Results for: blog dog bite liability

Farmers Insurance No Longer Covers Certain Dog Breeds

Let me start off by saying that this appears to be specific to California (as far as I can tell). Farmers Insurance has decided to stop providing liability coverage in a homeowners policy for dog owners of Pit Bulls, Rottweilers, or Wolf hybrids. A homeowners insurance policy will cover many things. It can help you with the cost of replacing items that have been stolen from your home. It covers the cost of repairing your home due to damage from a storm, a fire, or even a vehicle that has driven into your house. This coverage includes damages to your … Continue reading →

Claims Due To Dog Bites Have Gotten More Expensive

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Your dog might be the sweetest, most loving, people friendly dog in the world. Even so, there is potential that unforeseen circumstances could trigger your normally peaceful dog to bite someone. When this happens, it could cause the person who got bitten to file an insurance claim to your homeowners insurance policy. These types of claims have gotten more expensive. Information gathered by the Insurance Information Institute shows that in 2010, the average cost of a dog bite claim increased, (for people in the United States). People who had a dog bite claim filed to their homeowners insurance policy paid … Continue reading →

What Every Dog Owner Needs To Know About Their Personal Liability Coverage

Dog Bite Liability has become a major concern for homeowner insurance companies who generally oppose any new legislation requiring changes to the way insurance companies deal with some dog breeds. The insurance companies believe government public health studies and company claims statistics indicate some breeds of dogs are more dangerous than others and are higher loss risk. Dog owners living in 33 states are currently legally liable for deaths or injuries caused by their dogs. There are several states with laws or pending laws that restrict an insurance company from canceling or denying insurance coverage based on the specific dog … Continue reading →

Insurance Blog Week In Review August 22-28, 2007

Insurance Term Of The Week: Dog Bite Liability Wednesday August 22, 2007. For the Small Business the week started with information about liability and Insurance many individuals and businesses need to consider. The Difference Between Claims Made and Occurrence Liability Policies, may not be the most exciting thing to read but, interesting for any small business person. Thursday August 23, 2007. The Small Business Insurance category has been a little slow, so I decided to build on yesterday and add The Basics about General Liability and Professional Liability Insurance I know this isn’t as exciting as Body Part Insurance, but … Continue reading →

Dog Bite Liability

There has been a growing popularity since the mid-1990s, of people choosing to own the more aggressive breeds of dogs. This is a security concern because dog attacks are now the largest single cause of homeowner insurance policy claims. Dogs and their bites have become a major concern for homeowner insurance companies and considering the statistics it’s not hard to see why: The Centers for Disease Control and Prevention, reports that more than 4.7 million people are bitten by dogs every year with an estimated 800,000 injuries requiring medical treatment. More than 50 percent of the bites happen on the … Continue reading →

If Your Dog Attacks Someone

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Owners are liable for their pets’ behavior. If your dog bites someone, you will be held accountable by the law and/or the insurance company. Dog laws do vary from state to state and even from one community to another. What can happen if your dog bites someone? You can lose your dog — it may be taken away and euthanized. You can lose your homeowner’s or renter’s insurance. You may have trouble obtaining homeowner’s or renter’s insurance in the future. You may be responsible for paying for treatment for the bite victim. If you have children in the house with … Continue reading →

Legal Woes for Maryland Pit Bull Owners

A big headline here in Maryland lately has been an anti-pit-bull decision made by the state’s court of appeals. The case classified pit bulls and other “bully” dogs (meaning any dog with bull lineage) as “dangerous dogs.” This means that they are not included in the “one bite” exemption owners get before they are held liable for their dog’s action. That liability can also extend to anyone with control on the premises, including landlords, veterinarians, kennels/daycares, groomers, etc. The decision prompted widespread protest. Pit owners are worried that they’ll either be evicted, lose their homeowner’s insurance, or be forced to … Continue reading →

Halloween Insurance Tips: Are You Inviting Trick-or-Treater’s?

The Trick-or-Treater’s will be knocking on your door tomorrow night! It’s your responsibility as the homeowner and insurance policy owner, to prevent losses. Halloween is a huge liability exposure. By decorating, turning your porch light on, and handing out treats homeowners invite some of the most common, and most expensive liability claims. To make it simple, any injury that any person might suffer while their feet are on you property can be considered your liability. Take a few moments and consider these important issue before inviting the neighborhood to knock on your front door: If you trip over the garden-hose … Continue reading →

Insurance Terms: D

A | B | C | D | E | F | G | H | I | J-K | L | M | N | O | P | Q-R | S | T | U-V | W-Z Death Benefit with a life insurance policy the death benefit is the limit or amount of insurance payments that will be made to the beneficiary when the insured person dies. Death benefits for annuity contracts are the limit or amount of payments made to a beneficiary if the annuity contract holder passes about prior to the annuity payments starting. Declaration is … Continue reading →