Doberman Pinscher Liability Insurance: Protect Your Dog

Understanding the Importance of Doberman Pinscher Liability Insurance

On the American Kennel Club’s list of the top 200 dog breeds, the Doberman pinscher ranks 15th. As a large, muscular breed with alert and iconic-looking ears, these dogs make excellent guards for businesses and family homes. However, their guard-dog qualities also mean this breed can be aggressive. This behavior places the breed on the dangerous dog list. Owners of this breed would benefit from Doberman pinscher liability insurance solutions.

The Doberman Pinscher Is a Dog to Be Cautious Around

There are 4.5 million dog bites in the United States every year. While there are far more aggressive breeds than the Doberman pinscher, it is still recommended that people exercise caution around them.

The breed is incredibly loyal and faithful, so it’s highly unlikely to bite its owner or family members. However, Doberman pinschers are dangerous dogs when interacting with strangers, other dogs, and other animals. For example, several Dobermans recently killed two miniature horses in two separate incidents after escaping their enclosure in Arkansas.

They rank 10th in the list of dogs most likely to bite. With this knowledge in mind, responsible dog owners recognize the importance of getting Doberman pinscher liability insurance solutions for protection.

The Advantages of Doberman Pinschers

While the breed can be dangerous, it is popular for many reasons. As well as Dobermans’ excellent ability to work as guard dogs, they are also known for their:

• Endurance and speed
• Protective and fiercely loyal nature
• High intelligence
• Wariness of strangers
• High-energy disposition
• Low-maintenance grooming

Their proud and distinctive look means they will continue to be a popular breed of dog, particularly with those looking for protection. They can serve as vigilant home guards or even in working positions in law enforcement or the military. Their loyalty and fiercely protective nature can also make them helpful service dogs.

All Doberman pinscher owners should recognize that Doberman pinscher insurance is vital.

Why You Need Doberman Liability Insurance

While Dobermans are generally peaceful, any dog can harm people or property. Liability insurance helps protect you and your pet should an incident occur. Some states require dog owners to have comprehensive coverage. Landlords may also require pet liability coverage. Even when not required, it can give you peace of mind, especially for a more dangerous breed.

Are Dobermans a High-Risk Dog Breed for Insurance?

Many homeowners insurance and renters insurance companies compile lists of high-risk dog breeds and deny coverage to owners who keep them. These lists often include Dobermans. They ban certain dogs from coverage because they are perceived as more dangerous, whether due to their bite history or simply because they are muscular breeds with strong bites.

Dog owners are usually surprised when they realize that their homeowners insurance doesn’t cover their dog. It’s common for homeowners insurance to:

• Exclude all breeds on the dangerous dog list
• Exclude any dog with a bite history
• Exclude any dog with a claims history
• Offer extremely limited liability coverage for dog bites

Some limitations on coverage come from overall breed perceptions, while others may come from a past incident. Even a well-behaved, friendly Doberman might have a bite incident, which can be frustrating for owners seeking coverage. Unfortunately, dog owners tend to find out about the lack of coverage when it’s too late. This situation means they can end up facing the hefty costs of a liability lawsuit.

How to Get Doberman Liability Insurance Solutions

Your best choice for Doberman liability insurance is to look beyond traditional companies that often exclude this breed from coverage. XINSURANCE is different. We’re an excess and surplus lines insurance brokerage that finds specialty liability insurance solutions, including for occupations and animals that other insurers turn down. XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage.

We can work with you to find a comprehensive Doberman pinscher liability insurance solution. We can identify solutions that may cover injury or damage caused by your dog toward another person or property (excluding you and your home).

Our job is to assess your needs and find coverage solutions that cater to your requirements. This approach can give our customers peace of mind where liability is concerned.

Get a Doberman Quote Online

Doberman pinschers are extremely rewarding animals to own as pets. You can be confident they’ll protect you when needed and provide companionship alongside unwavering loyalty. They’re the ideal dog for those looking for an excellent guard animal. For the more unpredictable side of the breed, contact XINSURANCE to get a quote.

Last updated on February 17, 2025

Authored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.