Liability

Petpremium Liability Insurance Faq

At PetPremium, we have compiled some frequently asked questions about Pet Liability Insurance: Introduction to BasicsCoverage BasicsFile a ClaimLiability Insurance CoverageHow to ApplyEnroll ProcessAbout My Account1.Introduction to BasicsWhat is Pet Liability Insurance?Pet Liability Insurance is protection from financial liability that may arise if your pet bites or attacks a person or animal, or causes property damage. Why do I need Pet Liability Insurance?You may be excluded from homeowners’ insurance or prohibited to rent from a landlord if your pet doesn’t have liability insurance.… Read More…

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. 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.… Read More…

Ten Tail Wagging Tips For Pet Liability Insurance

Check out these dog liability insurance tips: Have a new puppy? Make signing up for insurance more convenient by registering for both PetPremium health and liability insurance for your new family member!Sign up for dog liability insurance right away! It is best to always keep you and your pup protected.Have a big family that includes the four-legged guys? Register up to three pets in our enrollment process and complete our extended application form here, in case of more than 3 pets.… Read More…

How Dog Bites Are Affecting People

While we know you never expect your furry family member to cause harm to you or anyone else, incidents do happen, and injury caused by dogs is too common in the United States. Dog Bites Facts4.5 million people are bitten by dogs each year in the US, and 880,000, about one-fifth, of those victims require medical attention.In 2014, 27,000 people needed reconstructive surgery after a dog attacked. The average hospital stay due to a dog bite is three and a half days.… Read More…

What Is Dog Liability Insurance

Learn the basics before you sign up! We see your pet just like you do- as a member of the family. However, your pet can become a huge financial liability if an accident happens. If your pet injures a person or animal, or causes property damage, you can be liable for a lot of money. You may become responsible for the costs of medical bills, attorney fees, loss of wage, construction to fix property damage, as wells as several other potential damages.… Read More…

Dogs Have Laws Too

Dog laws are the ones created to protect everyone in the case of an incident involving a pet, including the victim, the owner, and the dog. Specifically dog bite laws vary state by state, but each one has them. Find here 10 tips for liability insurance. Strict Liability RuleMost states adhere to one of two rules. The majority of states adhere to “Strict Liability” legislature, which affirms that owners of a dog will be held responsible for any harm to another person or animal their pet causes as long as the victim was not trespassing or provoking the animal.… Read More…

Pet Liability Lingo

Check out this glossary to define all the pet liability insurance buzzwords. Basic Pet Liability TermsFile a ClaimLiability PolicyBasic Pet Liability TermsDeductible A deductible is the amount the insurer is responsible to pay out of pocket before the insurer pays out in the case of a claim. Each claim will have its own deductible. The deductible is stated on the declarations page.Premium Premium is the amount paid by the insured each year, and is calculated based on the risk associated with his/her coverage plan.… Read More…

Bites By Breed

Although there are over 80 million friendly dogs in the US, 880,000 people are bitten each year. Get informed and check out this list of the most common dog breeds to bite. Dog Bites by BreedFind below some of the blacklisted breeds. Most common dog attacks by breed : Pit BullsPit Bulls were bred to be deadly and agile. Pit Bulls were first used in England for “bull baiting”, where the dogs would bite and try to immobilize bulls.… Read More…

The Five Wags Of Dog Attacks

Find here the most important who, what, where, when and why questions of dog attacks. Who?Which dog breeds are the most aggressive and what victims are most vulnerable? The most common dogs to attack are Pit Bulls, followed by Rottweilers. Pit Bulls and Rottweilers are responsible for almost 75 percent of dog attacks each year. Chained dogs are almost three times more likely to bite. Children are the most frequent dog attack victims, accounting for 66% of victims.… Read More…

How To Tell If Your Dog Is Going To Bite

Learn to recognize the signs that often precede an incident, and what to do to keep your dog from biting – before it happens. A dog doesn’t bite just to biteWhen dogs bite, they are reacting to something – the dog may be in pain or feeling protective, threatened, afraid, agitated, or stressed. Read below for common reasons why dogs bite, and how to recognize those signs. Your dog may be feeling: Agitation: Agitation in dogs can be due to several different reasons, and can look different each time.… Read More…

How To Avoid The Bite

Facing an aggressive dog can be frightening, and it is important to know what to do if you ever find yourself in that situation. Never scare a dogLoud noises and sudden movements may scare a dog and make them defensive. Always approach a dog from the front so they can see you coming. Look for signs that the dog may be dangerous:Always ask the owner before petting a dog.If other dogs are staying away from a certain dog, you probably should, too.… Read More…

Understanding Aggressive Dogs

The most aggressive dogs are not necessarily the most dangerous dogs, as strength, size, and other factors determine how great of a threat a dog poses. For example, Chihuahuas and Jack Russell Terriers are typically aggressive breeds, though they do not pose a huge threat due to their small size. Find here some of the other most aggressive breeds. Why are these Dogs More Aggressive?Learn which dogs are more aggressive than others and whys:… Read More…

How To Care For My Dangerous Dog

Keep these tips in mind to keep you, your family, and your pet safe! Learn what makes your dog aggressiveMaybe strangers make your dog feel territorial over your family and home, or maybe your pet is only aggressive towards other dogs. Learn what makes your dog aggressive, and try to limit your dog’s exposure to those factors if possible. When your dog does come into contact with the things that trigger its aggressive behavior, be prepared to control your dog.… Read More…

Beware Blacklisted And Dangerous Breeds

There is no set list of dangerous breeds or blacklisted breeds, though there are several breeds that many agree fall into one or both of these categories. Blacklisted BreedsA blacklisted breed is a breed that many insurance companies refuse to cover. Many pet insurance companies do not cover these breeds, and some homeowners’ insurance companies will exclude you if you own one of these breeds. PetPremium has no list of ‘blacklisted breeds’ and insures every pet.… Read More…

The Top 4 Dangerous Dog Delusions Debunked

There are a lot of misconceptions about potentially dangerous dogs. Let us set them straight. You can’t take the fight out of the dogYou’ve heard the expression before: You can take the dog out of the fight, but you can’t take the fight out of the dog. However, aggression is not some irreversible personality trait, instead it is a behavior and as such can be remedied with the proper training, care, and love.… Read More…

Dog Liability Insurance For Renters

A rented house can’t be your home if your loved pet isn’t welcome 72% of renters have pets, but renting while owning a pet can get complicated. One of the top reasons pets are given up to animal shelters is failure to find housing that accommodates the whole family – furry members included. Property DamageSome landlords will prohibit certain types of breeds from living in their housing if that breed is excluded from the building’s insurance.… Read More…

How To File A Dog Liability Claim

We simplified our claim process so you have one less thing to worry about after an incident. You can now file a claim online, which means no printing, no faxing, and no scrambling for our contact information. At the incidentWhile you are still at the scene of the incident, try to get the following information: The name of any police officer or authority that is called.The report number if police/authority file a report.… Read More…

What To Do If Your Dog Is Impounded

Many owners don’t know what steps to take when they risk losing their dogs. Find out your rights – and your dog’s – so you know how to act. Everyone knows that we, as humans and citizens, have basic rights. Lawyers and friends advise to “know your rights” before you get into a situation with the law. As pet owners, it’s important to know that dogs have rights, too.… Read More…

My Dog Has A Bite History Now What

PetPremium won’t exclude any dog from liability insurance. Read this short article to learn what to do if your dog has a bite history. If your dog has a bite history, the process remains simple! When you go to get a free quote online, you will be redirected to a pop-up that explains the next steps you should take to get a customized liability insurance quote. There is a slightly longer form to fill out that includes basic information such as your dog’s breed and birthday and your contact information, as well as an inquiry about your dog’s previous incident(s).… Read More…

A Position On Pit Bulls

While some pedestrians on the street are terrified when they pass a Pit Bull, many owners can attest to their pets’ friendliness. PetPremium takes a look into the long debated breed. HistoryMany of the characteristics Pit Bulls are known for today are out of the dogs’ control. Breeders often developed and mixed breeds with a sole purpose in mind. Unfortunately, a century or so ago, the goal was frequently to create the ideal dog for dogfighting or hunting.… Read More…

Pet Liability Insurance 101

Liability insurance protects you from financial burdens if your pet attacks another animal or person. Your pet is a part of your family, but you are held liability in case of an accident. If your dog is one of the 4.5 million annual bites in the US, you can be on the hook for claims that are getting bigger every year. By having liability insurance, PetPremium will share the cost with you.… Read More…

What Defines A Dangerous Dog

Learn some of the factors that may deem your neighborhood dog “dangerous”. Many states have “dangerous dog” laws that hold owners fully responsible for any bodily injury or property damage their dog causes if the dog has been deemed “dangerous”. While there is no set standard of what defines a dog as dangerous, there are some common characteristics that factor into deeming a dog dangerous, such as their size, strength, history, and the breed.… Read More…

What Can You Do If You Are Bitten By A Dog

Getting bitten by a dog can be a scary situation. Make sure you get the proper care. Before the Incident Read about how you can prevent dog bites and how to keep your dog from biting. During the Incident If a dog does get its jaws around you, push back into the dog’s mouth, rather than pulling away. Though it may seem counterproductive, the dog will feel that he is no longer in control of the bite and should pull away and hopefully retreat.… Read More…

Seven Important Steps To Take In Case Of A Bite Incident

PetPremium knows how stressful an incident can be, so we made the process as easy as possible. Restrain your Dog Separate your dog from the victim and place him in a safe place, such as a locked room, where he cannot reach other people or pets. Help the Victim Some dog attacks are miniscule and nonthreatening, while others may require surgery. If you are unsure if the victim requires medical attention, play it safe and seek care immediately.… Read More…

Top 10 Reasons Why Dogs Bite

Understanding why one dog bites and another doesn’t can help you care for your pets better Dogs don’t bite just to bite – there is always a cause behind a dog acting aggressively, and those reasons can vary greatly. Fear and Anxiety: If a dog feels afraid or anxious, he is much more likely to bite. A dog may be afraid or anxious if they perceive their situation or surrounding environment to be threatening.… Read More…

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