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Animal Liability Insurance
Frequently Asked Questions

1. Do I need to have homeowner or renter insurance to qualify for this coverage?
2. My dog has been deemed "dangerous" by my local animal control and I am now required to have this liability insurance. Will this insurance meet the requirements?
3. Which insurance company will issue my policy if I am approved?
4. What are the specifics of the policy coverage if I am approved?
5. Do you cover incidents that happened in the past?
6. My dog attacked/bit someone. Can you still insure me?
7. My dog attacked/bit someone while owned by someone else. I did not know this when I bought him. When asked on the application if my dog has ever attacked/bitten someone, do I answer "yes" or "no"?
8. Do you offer monthly payment plans?
9. Can I get proof of coverage immediately?
10. I got a quote from another agent that is much higher than your quote. Why is your quote so low?
11. What does "dog at large" mean?
12. I would like to apply for an animal liability policy on a therapy dog being used in the public school setting. Can I get coverage for the dog when she is in the various schools?
13. Do I need to send obedience records/titles to insure?
14. Can I get a $250,000 liability insurance only, excluding the aggregate?
15. The policy must have the Secretary of the Commonwealth of Pennsylvania listed as an additional insured/certificateholder for the purpose of being informed if the insurance policy is canceled. Can you do this?


Do I need to have homeowner or renter insurance to qualify for this coverage?
No

My dog has been deemed "dangerous" by my local animal control and I am now required to have this liability insurance. Will this insurance meet the requirements?
Yes. This has never been a problem. We review all state requirements regularly.

Which insurance company will issue my policy if I am approved?
First, we have never declined a dog. Second, the list of possible insurers can be found at this link: CLICK HERE. Click here to view a sample policy.

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What are the specifics of the policy coverage if I am approved?
If you read all of these FAQ's and read the sample policy, you will have a full understanding of the specifics of the potential policy coverage. Policy coverage cannot be discussed with you in detail until after you have submitted a complete application. Click here to view sample policies.

Do you cover incidents that happened in the past?
No. No insurance company will cover something that happened in the past.

My dog attacked/bit someone. Can you still insure me?
Yes. Most of our applicants purchase this insurance only after their dog(s) attacked or bit someone. This is not a problem.

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My dog attacked/bit someone while owned by someone else. I did not know this when I bought him. When asked on the application if my dog has ever attacked/bitten someone, do I answer "yes" or "no"?
Answer "yes". We are insuring the dog, not the owner.

Do you offer monthly payment plans?
Our only payment options are as follows:
Payment Options: 1) Pay in Full with Check or Credit Card, or 2) 20%-40% down + 11 Equal Monthly Installments. The exact downpayment cannot be determined until after your application is received.

Can I get proof of coverage immediately?
Most of the time. There is no extra fee.


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I got a quote from another agent that is much higher than your quote. Why is your quote so low?
We are an independent insurance agency. We offer this insurance through many different companies. We take pride in researching which companies offer what you need. By researching, we can often find better offers than our competition who typically offers this type of insurance through only one insurance company. And if the one company they offer the insurance through has a high premium, they don't have any other options to offer you. But we research your options and find as many different possible options and choose the cheapest and best option for you.

What does "dog at large" mean?
This is defined by your local animal control and is different for each state and each county and city municipality. For example, the Illinois Domestic Animals Running At Large Act (510 ILCS 55/1.1) (from Ch. 8, par. 1.1) Defines "Running at large" or "run at large" as: livestock that strays from confinement or restraint and from the limits of the owner. But generally-speaking, it means that your dog is out of your control without your knowledge or with your knowledge and you don't know where he is or you do know where he is and he is physically located on another person's property without the property owner's permission. It means: your dog is loose in your neighborhood.


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I would like to apply for an animal liability policy on a therapy dog being used in the public school setting. Can I get coverage for the dog when she is in the various schools?
Yes

Do I need to send obedience records/titles to insure?
No

Can I get $250,000 liability insurance only, excluding the aggregate?
Yes.

The policy must have the Secretary of the Commonwealth of Pennsylvania listed as an additional insured/certificateholder for the purpose of being informed if the insurance policy is canceled. Can you do this?
Yes. You can enter this requirement in the comments box on your application. There has never been a state or local requirement that we have not been able to accommodate.

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