Most people don’t think to arrange for insurance that covers dog bites, but the homeowner insurance limit of $100k is often enough to cover the potential settlement, depending on the severity of the injuries. If the injuries are serious, umbrella and excess insurance policies will provide up to $1 million coverage.
Knowing your Dog
The best way to avoid a lawsuit is to understand your dog’s behavior: is your dog territorial, how large is it, is it friendly with people, in which circumstances does it become aggressive etc. These are all the questions every dog owner must ask himself in order to keep their pet and other people safe.
If a dog bite occurs, one that doesn’t require any medical attention as is the case with the majority of dog bite incidents, a proper attitude toward the victim is vital if you want to avoid legal escalation. Offer reassurance and kindness, without accepting blame.
In case things do escalate, the best course of action is to relegate the matter to renters or homeowners’ insurance, or if the incident occurred in your business local, turn it to your general commercial insurance carrier.
If you don’t have any insurance that covers dog bites incidents, the matter could escalate to the court system, small claims or higher. If that happens, you should definitely consult a lawyer on how to best prepare your defense. Depending on how much you are willing to spend, either you can pay a lawyer just to give you instructions on the best course of action, which means that you will have to implement that course of action, or you can hire a lawyer to take the matter completely.