The cost of trained guard dogs ranges between the middle tens of thousands of dollars to hundreds of thousands of dollars. Tempting figures such as these, motivate unscrupulous individuals to get into the guard dog business. These people have neither the professional knowledge nor the desire to put in the hundreds of hours of labor required to train guard dogs possessing these qualities:
- Well balanced
- Steady nerves
- Willing to obey commands
- Able to self-calm
- Responsive to the owner
Instead, they train dogs for aggression using abusive methods that produce high-strung animals with poor impulse control, a low bite threshold, and little ability to calm down once excited. The dogs are then sold on the cheap at prices under $10,000. Garage and towing business owners who purchase these dogs for security purposes essentially have a ticking time bomb on their hands that may maul an employee, customer, or an intruder. Depending on the severity of the injuries, the damages awarded to the victim in a lawsuit can put the garage and towing company out of business. Badly trained breeds such as pit bulls and Rottweilers can cause life altering or fatal injuries.
Even well-trained dogs have been known to misread people and attack without provocation in circumstances when people were supposed to be on the premises, such as during normal business hours.
In a business filled with liability risks, such as garage and towing, animal liability is easily overlooked or under appreciated. This produces a coverage gap that can close the doors of your client’s business if the worst happens. This costly risk can be mitigated by using a perimeter fence that keeps intruders out and keeps the dog within the business property, and by providing excess coverage to your client’s garage liability and towing policy. Contact us with your inquiries about our excess and surplus insurance.