[MRM]

Whether you can be liable depends on the state. Even if you might be liable, you have a number of defenses and the expense of a dog bite settlement is most likely going to be in the hundreds or thousands of dollars, not the hundreds of thousands. It would have to be a bad mauling and leave scars to be $50,000. A dog mauling a baby could be millions, but that's extremely unlikely. So it's not like you have to have a lot of insurance to cover your reasonable risk of having pets on the property.

As a landlord you should have Commercial General Liability (CGL) coverage. Purchase it if you don't. Make sure your CGL covers dog bites and don't look back. It irks me that people unreasonably restrict their activities (possibly endangering pets lives) on the basis of theoretic liability risk exposure. Just get insurance, make sure your broker confirms in writing that you're covered for dog bites and fugetaboutit.