What does pet liability insurance cover?

PetPremium liability insurers are here to protect you from the costs that arise if your dog causes damages or injuries. PetPremium offers in general three different coverage levels so that every owner can find the right plan for his or her pup.

What does pet liability insurance cover

Pet liability insurance covers any bodily injury or property damage caused by your dog. PetPremium defines bodily injury as injury to a third person caused by a dog and property damage as damage to the property of a third person caused by a dog. PetPremium insurers will cover your dog wherever he was at the moment of the incident, either on or off your premises. Please read your policy in details. If you have any questions, please do not hesitate to call us at 1-800-767-6056 or e-mail us at services@petpremium.com.

PetPremium liability insurers cover much more than just the repair costs for property damage and the medical bills associated with bodily injury. Pet liability insurance will cover attorney fees if you and your family are brought to court after an incident. Insurance will cover the victim’s current and future wage loss resulting from the incident, as well as any other compensatory damages.

Compensatory damages are costs paid to the victim to make restitution for any actual loss. Other compensatory damages in the case of a dog attack could include pain and suffering, the cost of therapy after the attack, or loss of enjoyment of life if there are permanent injuries sustained by the victim. Though unlikely, pet insurance will also cover any punitive damages expensed to the owner. Punitive damages are awarded as a means to prohibit repetitive behavior in the future. An owner may be charged with punitive damages if the owner was especially negligent, or if his or her dog has constantly been seen as a threat or has bitten people multiple times.

Pet liability insurers will cover all of the above costs up to your chosen incident limit. An incident limit is the maximum amount you will be reimbursed for an incident. PetPremium suggests one of three incident coverage levels:

  • Level 1 with an incident limit of $15,000 (30,000 annual aggregate);
  • Level 2, the most popular level, with an incident limit of $50,000 ($50,000 annual aggregate);
  • Level 3 with an incident limit of $100,000 (with $100,000 or $200,000 annual aggregate).

These three levels can be tailored to every owner and dog by selecting a unique deductible. An incident deductible is the amount the insurer is responsible to pay out of pocket before the insurer pays out in the case of a claim. The insurers of PetPremium offer an incident deductible of either $500 or $1,000. Or you you require a more specific deductible. Please contact one of our agents at 1-800-767-6056. If an incident costs less than the deductible amount, the insurance company will not be able to cover any of the cost or damages. However, with the average cost of a dog attack claim costing $32,072 , many owners who received a legal claim find themselves receiving the much-needed support from their pet liability insurance companies.

Referred to: Nolo, http://www.nolo.com/, 2015

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