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guard dog liability

Take the Bite Out of Guard Dogs

Guard Dog Liability Insurance

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 from XINSURANCE is your best protection.

XINSURANCE has decades of experience providing liability insurance solutions 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 40 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,

Rick LindseyAuthored 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.