Dealing with Dog Bite Liability
By David Pearsall
As most pet professionals are aware, a general liability policy will protect you against bodily injury or property damage to others caused by your negligence (or your staff’s negligence while working for your business). Typically, a $1,000,000 liability limit is recommended. Please be aware that under most general liability policies, defense cost is outside of this limit, and the insurance company will defend you if a lawsuit is brought against you/your business. There is also a medical payments limit (typically $5,000 – $10,000) which is used to settle most small bite claims where the victim is not seeking a huge settlement, but simply wants their medical bills covered. But be aware this limit does draw down the $1,000,000 each occurrence limit. Read article
