Animal Liability

Prime Insurance Company will be your trusted partner, providing you with a legal defense
and covering any damages awarded up to your policy limit.

Home / Personal Lines / Animal Liability

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.

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.

Questions to Consider:

Does your homeowners insurance coverage address all of your needs when it comes to your pet?

Many traditional insurance policies restrict certain breeds from coverage or exclude animal liability coverage altogether. Because insurance policies are becoming more exclusionary, it is likely that your current homeowners insurance policy will not cover you if your pet causes an incident.

Does your pet have a bite history?

Many states consider any pet with a dog bite history of any kind as “dangerous.” Owners of such pets are required by certain states and regions to carry proper animal liability coverage.

What breeds are most commonly excluded from homeowners and renters insurance policies?

Bully breeds, Pit Bulls, Rottweilers, Doberman Pinschers, German Shepherds and Akitas. (All insurance providers cover different breeds, be sure to double check your policy.)

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 2019, the average cost for a dog bite insurance claim was $44,760.

*Stats from Insurance Information Institute (I.I.I.) and State Farm®

Insurers paid out $797 million in liability claims related to dog bites and other dog-related injuries in 2019.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.