Liability Insurance

[Bugsinrugs]

My son has two dogs. One is a border collie and one is a collie Australian mix. He was at the dog park and his mix was chasing another dog when the other dog ran into an older man knocking him down . Nothing came of it but what if the man was injured? Is there specific insurance for dog liability? My son just started practice as a Anesthesiologist. He will have deep pockets. I’m thinking he should get some kind of liability policy covering his dogs. Advice gladly taken.

[The Synergizer]

Dog parks aren't for the frail and weak!

[Bugsinrugs]

Originally Posted by The Synergizer

Dog parks aren't for the frail and weak!

. Lawsuits can be from anywhere though.

[Sooner or later]

Homeowner insurance will protect you on your property. Doesn't protect you away from home. I know there are dog policies to cover away from home. Don't know the cost, but I wouldn't expect them to be very expensive.

[id10t]

Umbrella policy?

[recycled sixtie]

For the reasons above I don't miss having a dog. In this part of the world we are less litigious. After a while I would avoid the off leash areas. Notices would be put up saying if your dog is aggressive then you should have your dog on a leash. Then why bother with the off leash area?

I sometimes used to go out to the country and let the dog off leash. Fortunately did not run into other dogs. Ideally for dog lovers I think an acreage is the answer. Looking back I was lucky nobody sued me. To avoid it keep the dog on leash. Off leash areas are not great areas because of the mix of dogs in terms of size and breed. Keep yourself, others and dogs safe.

[stomachmonkey]

Originally Posted by id10t

Umbrella policy?

I have two kids, technically and legally adults now.

I carry a $2M umbrella.

Lessons learned from when I was a teen.

That's all I'll say about that.

[Noah930]

A homeowner's policy won't cover something like this? I guess it would make sense to cover only things that occurred at my home (i.e. dog knocks over a houseguest). But I only ask because a recent patient of mine came in with a dog bite she sustained at a local little league field, and she commented that the other dog's owner's homeowner policy would be covering the injuries. She was paying for her treatment out of her own health care policy, but sounded confident that any of her costs would in turn be covered by the other person's homeowner's policy.

Still, I have an umbrella policy. Just in case.

[Superman]

Originally Posted by id10t

Umbrella policy?

This.

[Esel Mann]

+++ Umbrella policy. But be sure to speak with agent regarding dogs as that may require a rider.

It's that or carry *coughe* an alternate ID.....

[greglepore]

Originally Posted by Sooner or later

Homeowner insurance will protect you on your property. Doesn't protect you away from home. I know there are dog policies to cover away from home. Don't know the cost, but I wouldn't expect them to be very expensive.

Wrong. Homeowners generally covers the owners negligence wherever it happens, unless it involves an excluded risk like a vehicle or a business.

But whadda I know, just did insurance law for 30+ years in a prior lifetime.

Umbrella's don't extend covered events, but they do extend the coverage $ of any policy underwritten by the umbrella...can apply to auto or h.o but rarely to a business related event unless its a commercial umbrella.

[Bugsinrugs]

Looks like one can get a dog liability policy starting at $10 a month. Dog breed exclusions and a high deductible are common.

[drcoastline]

Originally Posted by Bugsinrugs

My son has two dogs. One is a border collie and one is a collie Australian mix. He was at the dog park and his mix was chasing another dog when the other dog ran into an older man knocking him down . Nothing came of it but what if the man was injured? Is there specific insurance for dog liability? My son just started practice as a Anesthesiologist. He will have deep pockets. I’m thinking he should get some kind of liability policy covering his dogs. Advice gladly taken.

Does he have homeowners, Condo or renters insurance? If so he is covered for the liability limits of the policy. Have him jack his liability coverage to the max, same on his car, boat what ever. Then get an umbrella policy. Umbrella policies are cheap $1,000,000.00 for about $750.00.

[drcoastline]

Originally Posted by Sooner or later

Homeowner insurance will protect you on your property. Doesn't protect you away from home. I know there are dog policies to cover away from home. Don't know the cost, but I wouldn't expect them to be very expensive.

No. Liability extends any where in the world, Property coverage on personal property also extends.

If you are on a cruise ship with your dog and you drop your drink from the upper deck and hit someone on the head with the glass, covered. then your dog runs down and bites the some kid eating a Weiner, covered. Then the cruise ship sinks and you lose your luggage, covered for up to 10% of your personal property coverage. If you have your Rolex and your wife's diamond ring are in the suit case as the ship goes down, makes sure your policy is endorsed for the value before the ship sinks.

[LWJ]

Homeowners or renters will cover the question. Umbrella just increases limits available.

It should be covered.

FYI. I do this for money. As does DR.

[Norm K]

Originally Posted by LWJ

Homeowners or renters will cover the question. Umbrella just increases limits available.

It should be covered.

FYI. I do this for money. As does DR.

It shouldn't have to be, of course.

One must be required to accept a certain amount of personal responsibility when they enter a dog park.

A bite would be one thing. Getting run into by frolicking dogs - something that any reasonable person would wholly expect to occur at a dog park - is another thing entirely.

_

[drcoastline]

Originally Posted by Norm K

It shouldn't have to be, of course.

One must be required to accept a certain amount of personal responsibility when they enter a dog park.

A bite would be one thing. Getting run into by frolicking dogs - something that any reasonable person would wholly expect to occur at a dog park - is another thing entirely.

_

Well that is true, but to get to personal responsibility would be a major undertaking and we would need to kill all the lawyers. The problem is they're like Dorito's they'll just make more.

So we have insurance.

[Sooner or later]

Originally Posted by drcoastline

No. Liability extends any where in the world, Property coverage on personal property also extends.

If you are on a cruise ship with your dog and you drop your drink from the upper deck and hit someone on the head with the glass, covered. then your dog runs down and bites the some kid eating a Weiner, covered. Then the cruise ship sinks and you lose your luggage, covered for up to 10% of your personal property coverage. If you have your Rolex and your wife's diamond ring are in the suit case as the ship goes down, makes sure your policy is endorsed for the value before the ship sinks.

I stand corrected.

[Norm K]

Originally Posted by drcoastline

Well that is true, but to get to personal responsibility would be a major undertaking and we would need to kill all the lawyers. The problem is they're like Dorito's they'll just make more.

So we have insurance.

Yes, I get that.

Still, I think any reasonable judge would look at such a case and determine that a person indeed does accept personal responsibility for their safety when they step foot into a dog park.

Bites and shyster attorneys notwithstanding, of course.

_

[drcoastline]

Originally Posted by Norm K

Yes, I get that.

Still, I think any reasonable judge would look at such a case and determine that a person indeed does accept personal responsibility for their safety when they step foot into a dog park.

Bites and shyster attorneys notwithstanding, of course.

_

And they may, but it takes money to defend to get to that point. The liability picks up the cost and if you are determined to be at fault to some degree their is a sum available for that as well.