Florida has recently passed Senate Bill 572, also known as the “Pam Rock Act,” a groundbreaking piece of legislation designed to increase public safety by introducing stringent requirements for dog owners. With this new regulation set to take effect on July 1, 2025, insurance producers have a unique opportunity to serve dog owners who will now be required to obtain specialized liability insurance. Partnering with Prime Insurance Company can help you meet this rising demand and grow your book of business.
Introduction to the “Pam Rock Act”
The “Pam Rock Act” was inspired by heartbreaking incidents, including the tragic death of mail carrier Pam Rock, and an earlier case involving 8-year-old Michael Millett. Both were fatal dog attacks, highlighting the need for stricter dog ownership legislation in Florida. The Act includes provisions for:
- Dangerous Dog Classification: Dogs that inflict serious harm, as assessed through the Dunbar bite scale, will be classified as dangerous. Owners will be notified about the classification via registered mail or certified hand delivery.
- Mandatory Insurance: Owners of dangerous dogs will now be required to carry a minimum of $100,000 in liability insurance to cover potential incidents.
- Microchips as Tracking Measures: Dangerous dogs must be microchipped, and tampering with or removing the chips will result in felony charges.
- Secure Enclosures: Owners must confine dangerous dogs to proper enclosures to ensure public safety.
These enhanced regulations represent Florida’s proactive approach to protecting residents and reducing risks associated with dangerous dogs.
What This Means for Producers
As Senate Bill 572 uplifts liability insurance requirements for dog owners, it creates a lucrative opportunity for insurance producers to expand their portfolio. Many individuals and businesses will need coverage that accommodates these unique risks. Producers who partner with Prime Insurance Company can position themselves as key players in fulfilling these needs while helping dog owners comply with the law.
Why Choose Prime Insurance Company?
Prime Insurance Company is an Excess and Surplus (E&S) lines insurance provider specializing in customized coverage for unusual, misunderstood, or high-risk exposures. With 40 years of experience and an A (Excellent) rating from A.M. Best, we are uniquely equipped to help producers write policies for clients with specialty risks like those covered under the “Pam Rock Act.”
How Prime Supports Producers
At Prime Insurance Company, we don’t just write policies—we foster partnerships. When you bring your clients to Prime, we empower you with tailor-made solutions, underwriting expertise, and a reliable claims team so you can serve your clients confidently. Here’s how:
- Customized Insurance Policies: Every policy begins with a conversation to identify your client’s unique needs. Prime’s in-house underwriting team creates flexible solutions tailored to specialty risks, such as dangerous dogs.
- Coverage for Specialty Needs: Whether your client requires liability insurance to comply with the “Pam Rock Act” or other specialty coverages, Prime covers almost every risk class—even ones standard insurers avoid.
- Risk Mitigation: Our in-house risk management team works with producers and insureds to reduce exposure and ensure compliance with regulations, helping clients avoid setbacks related to dangerous dog ownership.
- Expert Claims Handling: Prime’s experienced claims team ensures clients’ incidents are managed fairly and professionally, enhancing trust and retention. As your partner, we prioritize prompt claims handling that builds your reputation as a dependable producer.
- Increased Revenue Opportunities: By saying “yes” to difficult or specialty risks, you stop turning away opportunities. Grow your book of business with the flexible solutions Prime provides.
How Insurance Producers Can Help Their Clients
As an insurance producer, this is your chance to show your value. Here’s how you can leverage Prime Insurance Company to help your clients comply with Florida’s new legislation:
- Educate Your Clients: Let dog owners know about the new legal requirements under the “Pam Rock Act,” including the mandatory $100,000 liability coverage. Many owners may be unaware of these upcoming changes—they need your guidance.
- Provide Customized Solutions: Prime’s ability to write coverage for unique risks ensures that you can confidently help clients find the right liability insurance, whether they own a dangerous dog or face other specialty challenges.
- Partner With Prime for Difficult Cases: If a standard market declines coverage for your client’s risk, don’t hesitate to contact Prime Insurance Company. Our creative underwriting solutions ensure you can always meet your clients’ needs.
Get Started With Prime Today
As Florida prepares for the enforcement of the “Pam Rock Act,” Prime Insurance Company stands ready to help producers meet the growing demand for liability insurance. Working with Prime ensures dog owners—and producers—get the peace of mind and protection they need.
Why Choose Prime?
Not only does Prime excel at accommodating specialty risks like the ones tied to dangerous dog ownership, but we also help you broaden your portfolio and write more business. Your clients get reliable coverage tailored to their needs, while you grow your bottom line without turning away tough opportunities.
To partner with Prime Insurance Company, call us today or visit our website. Let’s empower you to say, “Yes, we can!” to challenging risks and turn obstacles into opportunities.
Together, Let’s Succeed
Prime Insurance Company is committed to working with producers to build long-lasting relationships and provide innovative solutions. The passage of the “Pam Rock Act” underscores the need for specialty coverage, and Prime is here to help you seize this opportunity. Let’s work together to write more business, serve your clients, and succeed in today’s ever-changing insurance landscape.
Get a Quote
Click here to learn more about dog liability insurance and to request a quote.
References:
- Florida Senate Bill 572 details and implications: Click Here
- News Report on the Dangerous Dogs Bill: Click Here
