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Work with dogs? How to get the best canine liability insurance
If you’re a dog breeder, pet care facility, or security firm, you’ll have had a few issues over time with dog issues and dog liability insurance – Probably not much fun with the financial side, though, when trying to take out insurance policies. The fact is that specialized dog insurance, aka canine liability insurance, is a tough subject for mainstream insurers.
Issues like dog attacks, property damage and related “intrusion” issues and other incidents can be incredibly expensive for dog owners and those responsible for managing dogs. It’s not easy to get adequate coverage, and some “dog people”, in fact, say they don’t seem to get a lot of comprehension, either, from insurers.
Actually, animal liability insurance isn’t really their core business. The house and car insurers are basically out of their depth with this type of insurance. If you’re looking for quality cover, you need to talk to a specialist insurer.
The big issue – Coverage costs need to be very good indeed. Historically, pet incident costs have gone up over the years, and you really need to be able to tweak the coverage to meet current liabilities. This may seem simple enough in theory, but in practice, you need insurers who know how to help you keep your cover up to date.
In the case of pets, it’s the liability which goes up. This is “inflation” in dollar terms. Cover for $100,000 five years ago, for example, would probably be up around $130,000 - $150,000 now.
To help you check out the right insurers for your needs, we’ve found a great example of a specialist liability insurer. It’s a company called Xinsurance.com, part of major US insurer Evolution Insurance Brokers. They have a very broad range of dog insurance options, including dangerous breeds and exotic pet insurance.
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