Animal Liability Insurance
Prime Insurance Company is a trusted insurance partner, providing clients with a legal defense and covering damages awarded up to their policy limit.
800-257-5590
For Dogs and Other Pets
A 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 a 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 client’s dog has a bite history or is a breed commonly excluded from homeowners coverage, Prime Insurance Company will provide them with the coverage they need.
Lifestyle
(who we can help)
We can help insurance producers (agents and brokers) who are looking to write more business for their clients who own a pet, including:
- Pet owners – dogs, cats, birds, rabbits, reptiles, etc.
- Dog breeds 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
The number of dog bite and related injury claims in 2024 totaled 22,658, an increase of nearly 19% from 2023 and a 48% increase over the past decade. Source.
The average cost per claim increased 18%, from $58,545 in 2023 to $69,272 in 2024. The cost has gone up about 86% over the last decade. California, Florida, and Texas topped the list for most claims. Source.
Insurers in the U.S. paid out about $1.6 billion in dog-related injury claims in 2024. Source.