Animal Liability Insurance
Prime Insurance Company will be your trusted partner, providing you with a legal defense
and covering any damages awarded up to your policy limit.
800-257-5590
For Dogs and Other Pets
Your dog is more than just a pet, it’s a family member. This can make it difficult to view your dog as a potential liability. Unfortunately, even the most cared for, loved, and well-trained dogs can cause an accident. Something as harmless as a playful nip or digging on your neighbor’s property can result in a messy, time-consuming, and potentially devastating lawsuit. Dog-related damage is the leading cause of homeowner’s insurance claims. That’s why animal liability coverage is an essential part of being a responsible pet owner. Most insurance companies limit dog bite insurance coverage, restrict certain breeds from coverage, or exclude animal liability coverage altogether. Whether your dog has a bite history or is a breed commonly excluded from homeowners coverage, Prime Insurance Company will provide you with the coverage you need.
Lifestyle
(who we can help)
We can help insurance producers (agents and brokers) that are looking to write more business for their clients who own a pet, including:
- Pet owners – dogs, cats, birds, rabbits, reptiles, etc.
- Dog breed deemed aggressive including Pit Bulls, Rottweilers, German Shepherds, and more
- Animals with a bite history
- Businesses and individuals that utilize animal(s) for commercial purposes
- Working dogs including sniffer dogs, therapy dogs, guard dogs, service dogs, and guide dogs
- And more
Coverage Options
- Commercial General Liability
- Commercial Auto Coverage (available in most states)
- Personal Liability
- Professional Liability (E&O)
- Property Coverage
- Special Events Liability
- TRU Umbrella / Excess Liability
- And More
Questions to Consider:
Know the Facts
According to the Centers for Disease Control and Prevention, about 4.5 million people are bitten by dogs each year and about 885,000 require medical attention for these injuries; about half of these are children. Senior citizens are the second most common dog bite victims.
In 2022, the national average cost for a dog-related injury claim increased 28%. The national average cost, on a per claim basis, increased 32% year-on-year, reaching $64,555. Source
Insurers paid out $797 million in liability claims related to dog bites and other dog-related injuries in 2019.