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Dog Owner Liability Insurance

Dog Owner Liability Insurance

We have 89 million pet dogs in the US alone. Dogs give their owners unlimited amounts of joy and companionship; they make excellent guardians, are fiercely loyal, and are skilled at hunting and searching. The many varieties and breeds mean that no matter what you want from a dog, you can find a breed that’s right for your needs. But there is a downside to owning the world’s most popular pet.

No matter how well trained your dog, there’s always a risk that it will bite someone. Even playful nips and bites can result in injury. In turn, these can lead to liability claims from the injured party.

Protecting yourself with dog owner liability insurance is the best way to safeguard against biting claims. Most people assume their home insurance policies cover this, but the coverage is often severely restricted, especially if you own what’s considered a “dangerous breed.”

Biting is All Too Common

Dogs can bite for a multitude of reasons. They can bite when startled or when protecting themselves or their owners. They can bite if angered or irritated. They may even be trained to bite under some circumstances. Whatever the reason, bites are extremely common.

In the US, there are around 4.7 million dog bite incidents per year, with over 800,000 of them, resulting in medical care. There have even been fatalities caused by biting dogs, with 39 deaths recorded in 2017. Shockingly, almost three-quarters of these fatalities were caused by family dogs.

With bites being so common, it’s never been more important to ensure you have adequate dog owner liability insurance in place to protect yourself.

Dog Owner Liability Insurance from XINSURANCE

At XINSURANCE, we want everyone to have the ability to protect themselves. We’ve built up decades of experience that allows us to provide coverage for clients and circumstances that other insurers avoid.

We employ a unique “all-in-one” approach, where we closely assess the owner’s operations and experience levels and use the information to create comprehensive and customized coverage unique to the customer’s requirements.

Our dog owner liability insurance provides coverage for all dog breeds, even if your dog has been labeled as “dangerous” and even if other insurers have refused to insure it.

From Labradors to Pit Bulls, Chihuahuas to Rottweilers, all breeds are welcome. Even if your dog already has a history of biting, XINSURANCE may still be able to provide dog owner liability insurance.

Our comprehensive coverage includes:

  • Any dog breed
  • Dogs with an existing bite history
  • Pet dogs, sniffers, service dogs, and other types of working dogs
  • 3rd party bodily injury
  • 3rd party property damage

Please note, XINSURANCE dog owner liability insurance excludes bites to the insured or insured’s family. And it excludes property damage that the insured owns or rents.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. Our years of expertise have allowed us to become one of the few insurers that provides dog owner liability insurance to all dogs.

How to Receive a Quote from XINSURANCE

With biting incidents on the rise, it’s never been more important to get proper coverage in place. Protect yourself from liability with XINSURANCE dog owner liability insurance and benefit from a less stressful relationship with your dog.

If you are a dog owner and don’t currently have coverage or you have realized your existing coverage is inadequate, please don’t hesitate to call us at 877-585-2853. Alternatively, you can email us at We’re happy to discuss your needs and answer any questions you may have.

If you are close to one of our offices, you are welcome to arrange a face-to-face appointment.

  • 8722 S. Harrison Street, Sandy, Utah 84070
  • 1 S. Dearborn Street #800, Chicago, IL 60603
  • 700 11th St. South, STE 201, Naples, FL 34102

Finding Out More

Our website contains all the information you need about XINSURANCE, our huge product line, and our dog owner liability insurance. You can also click to receive a quote.

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