Dog Bite Liability has become a major concern for homeowner insurance companies who generally oppose any new legislation requiring changes to the way insurance companies deal with some dog breeds. The insurance companies believe government public health studies and company claims statistics indicate some breeds of dogs are more dangerous than others and are higher loss risk. Dog owners living in 33 states are currently legally liable for deaths or injuries caused by their dogs. There are several states with laws or pending laws that restrict an insurance company from canceling or denying insurance coverage based on the specific dog … Continue reading →

There has been a growing popularity since the mid-1990s, of people choosing to own the more aggressive breeds of dogs. This is a security concern because dog attacks are now the largest single cause of homeowner insurance policy claims. Dogs and their bites have become a major concern for homeowner insurance companies and considering the statistics it’s not hard to see why: The Centers for Disease Control and Prevention, reports that more than 4.7 million people are bitten by dogs every year with an estimated 800,000 injuries requiring medical treatment. More than 50 percent of the bites happen on the … Continue reading →

Insurance protection for professionals including the small business owners, may require two different major types of liability insurance. These two types of insurance that need to be considered: General Liability Insurance and Professional Liability Insurance. Each of these types of insurance policies offer specific and important protections designed to professionals from financial loss. General Liability insurance This type of liability insurance protect professionals and organizations from the risks of being liable for causing bodily injury or property damage to someone else. If the policy holder is found legally responsible and obligated to pay someone for damages. General professional liability for … Continue reading →