Man's Best Friend or Man's Biggest Liability?

They say a dog is a man’s best friend. This can be said for any pet really. But, what happens when your pet snaps? Do you have any protection against a lawsuit should your household pet attack a visitor? If you find yourself asking these questions, then chances are you do not have animal liability insurance.

Animal liability insurance can save you a lot of money in the future. Just like any liability insurance line, animal liability will protect you in the case of claims and lawsuits should your pet physically harm someone and/or damage someone else’s property. Most insurance agencies can cover a variety of different animal s, from domesticated dogs and cats to exotic snakes and lizards.

Pet owners hold sole responsibility for the actions of their animals. For example, if your dog bites a visiting friend and injures them, if that friend decides to make a legal claim against you, you will be responsible for paying legal fees, court costs, etc. Although homeowner’s insurance does have some liability coverage, typically there is not enough allocated to animal liability issues to pay such costs. Don’t make the mistake of assuming your homeowner’s liability and/or umbrella insurance will cover the costs of animal related liability issues. These days, no one can afford to leave themselves open to such costly misconceptions.

For more information on animal liability insurance and a free quote, contact Family Insurance Services.