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guard dog liability

Take the Bite Out of Guard Dogs

You can hear your Doberman pinscher, German shepherd, Rottweiler or Scottish terrier barking a mile away. After all, there’s no better way to keep intruders off your property or warn you of impending danger. Maybe you have a service dog or a family dog that’s a real sweetheart to you and your family but trained to protect.

What happens when they go on guard and take a bite out of someone, even if it’s a playful nip? According to the Center For Disease Control (CDC), approximately 4.5 million dog bites occur in the U.S every year. That nets out to be about one bite out of every 72 people.

Financially speaking, dog bites made up more than one-third of all homeowner’s liability claims in 2014. In fact, the insurance industry paid more than $530 million in dog-related claims* that year alone, including bites and dog-related property damage. Of course, you want to keep “Fido” for years to come, so how do you guard against financial ruin? Animal liability insurance form XINSURANCE is your best protection.

XINSURANCE has decades of experience writing liability insurance for dog owners. We offer a new, all-in-one approach to insurance, with everything under one “roof” — including direct access to underwriting expertise, risk management assessments, advice and customer service. Our underwriting team brings you over 30 years of experience, along with the ability to offer customized limits, coverage, deductibles and premiums on liability, property and casualty, professional coverage, and more.

Whether your dog has a bite history or is a breed commonly excluded from homeowner’s coverage, XINSURANCE is a guard dog owner’s best friend.


For more information, contact Logan at (801) 304-5562 or visit our Guard Dog Liability Page.


* Insurance Information Institute,