Do You Need Liability Insurance for Your Dog?

Liability insurance for your dog? Yes. No matter how gentle your Muffin is, it’s a good idea to have insurance that will cover this type of claim. Person liability insurance is also known as errors and omissions (EO) insurance, because it covers contracts made in various industries, such as insurance. EO insurance in New Jersey is available from many agencies.

Dog Bite Occurrences

Every year, about 4.7 million people are bitten by dogs in the U.S. Of that number, 386,000 require emergency treatment, with the remaining 414,000 also seeking medical attention for their injuries. In 2015, 34 people died from injuries related to a dog bite. According to the Insurance Information Institution, payouts for dog bites made up more than one-third of homeowners’ insurance payments in 2015, with the average payout just over $30,000.

Are You Protected?

You should know that some companies have become a little wary of dog-bite claims. They may charge more to cover breeds such as Rottweilers and pit bulls or have you sign a liability waiver or limit payout amounts.

In today’s litigious world, you may want the added protection of liability insurance that will cover what homeowners’ insurance won’t. When shopping for EO insurance in New Jersey, don’t forget to discuss dog bites as part of your coverage.