Liability Insurance

I need help finding liability insurance for my 5 month old Pit. My landlord of course is fearful of being sued if my dog injures someone. So far I have not had much luck. Any suggestions would be greatly appreciated. It’s either find insurance or give up the dog. I don’t want to give up my dog. Help.

Thanks for the info Kims 1885. I’ll give them a call today.

Here are two places that sell insurance for dog liability insurance….

Lester Kalmanson Agency, Inc.
P.O. Box 940008
Maitland, Florida, 32794-0008
(407) 645-5000

http://www.lkalmanson.com/dogtest.html

Kalmanson can sell insurance throughout the United States. If your homeowner insurance company is threatening to drop you or exclude dog liability from your homeowner policy, Kalmanson might help you in one of two ways, either by writing a new homeowner policy for you that also covers dog liability, or writing a dog liability policy that you can take to your existing homeowner insurance company, which will assure them that they will not be responsible for your dog(s) anymore. Kalmanson writes a specific policy for each insured—it is not a form policy.

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Eva Reed
The Ohio Insurance Exchange
117 West Main Street, Ste 103
Lancaster, OH 43130
800.473.1215 Phone
740.681.9945 Phone
740.681.9997 Fax

We base rates on breed, weight, age, gender and bite history. Proof of obedience training or other specialized training is also helpful. This also shows the responsibility of the owner.

We will consider any breed. If the breed is extremely exotic, then coverage would be subject to review directly by the underwriting company. I have not had one turned down yet on the basis of breed. Also, any dog used for business purposes (breeding & selling, stud service, etc.) would be rated on a commercial basis at different rates.

We can sell these policies direct out of my Ohio office, we can handle Ohio, Kentucky, West Virginia and Florida. All other states are written through: Emanuelle Mercado, Prime Insurance Syndicate, Inc., Tel: 800-456-4576 Ext 7809

Information about the surcharge for prior bite history: If a dog has a prior bite history (has bitten) we will require details of the incident, possibly to include any police or local animal control report. The surcharge can increase the rate by 30-50 % of the initial base premium.

Some situations do exist where we will decline coverage for an animal due to bite history (i.e. “repeat offender”, mauling or killing of a person, especially a child).