Pet Liability Insurance For Owners – The German Civil Code (BGB) regulates the liability of pet owners in § 3 833. By law, every domestic pet owner is obliged to pay compensation in the following cases:
The type and amount of damages to be awarded depends on the damages in question and, if applicable, the conditions specified in the court ruling. As you can imagine, compensation for damage caused by your dog will be much less if it only damages one thing than if it affects a human life. Due to your dog’s age and lively nature, the following situations can be imagined, for example:
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When people are hurt by your dog’s behavior, compensation claims can be huge, and in the worst case scenario, you could be in BT for life. A dog owner’s liability insurance or pet owner’s liability insurance can protect you from this, as the insurer not only covers compensation claims but also prevents unfair claims.
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Pet owner’s liability insurance protects the insured from claims for damages caused by the personal possession of animals. This is especially recommended for owners of large animals, such as dogs and horses, as smaller animals, such as cats or rabbits, are usually covered by private liability insurance.
Your personal liability insurance covers all losses that you, as the policyholder, cause to another person or co-insured, such as a spouse and children. Most insurance policies also include coverage for damage caused by small pets
Dog owner liability insurance, small dog liability insurance, is not mandatory insurance for every dog and every wild state, but it is recommended to take it out. This is especially true in these cases:
A dog owner’s responsibility to take out a liability insurance policy is not regulated uniformly throughout Germany but at the dog state level. The only forest state where there is currently no compulsory insurance for dogs is Mecklenburg-Western Pomerania. In all other wild states, liability insurance for dogs is partly mandatory and partly subject to certain conditions As a dog owner, you are responsible for being properly informed of your rights and responsibilities Otherwise, you risk higher fines Rules and regulations may change, so you should regularly inform yourself in the press or on the Internet As of September 2019, compulsory insurance for dog owners in individual desert states is regulated as follows:
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Dog owner liability insurance for which dog breed is not regulated uniformly in Germany, but is the responsibility of the wild states. | If insurance coverage exists for all dogs, breed affiliation is irrelevant However, some wildlife states expressly mandate that dogs be insured when they are considered dangerous, and in theory they penalize what species are classified as dangerous. As a rule, a dog is classified as dangerous, regardless of breed, if the following criteria apply:
If insurance coverage only applies to dogs that are considered dangerous, you should consult the individual state feral species list.
Dog owner or pet owner liability insurance provides benefits in third party compensation claims:
Own damage, that is, damage caused by your dog yourself or by your co-insured relative, is not covered by dog liability insurance.
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What benefits should I look for in my dog liability insurance and what are the additional benefits?
If you are comparing different dog liability insurance policies against each other, it is worth keeping a close eye on the benefits and additional services, as these can vary from one insurance company to another. The standard services provided by the insurer include the conception of compensation claims to settle losses up to the sum insured. In addition, passive legal protection, including the barring of unenforceable claims, is usually included There are also various additional services depending on the insurance contract, such as:
The term Sum Assured refers to the sum assured, i.e. the maximum amount of compensation covered by the insurance. If, for example, you have signed a contract with an insured of 5 million euros, the insurer will pay benefits up to this amount in the event of a claim.
How much does dog owner liability insurance cost, and are there multiple rates for some dogs?
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Dog owner liability insurance is not expensive, but it pays Basically, the insurance premium is based on the following points:
Annual premiums for dog owner liability insurance for French bulldogs start at around €35, with a minimum term of one year, €150 deductible and €5 million coverage during annual payments.
If your dog is a dangerous breed or a fighting dog (listed dog) there are insurance companies who charge higher premiums. Some even exclude insurance cover altogether
If you insure several dogs, many insurance companies reward this with volume discounts The amount of the discount depends on the breed of the dog, your age and the amount of coverage To keep rates as transparent as possible, Luco does not offer volume discounts
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In some states, not only are dog owners responsible for carrying liability insurance, minimum insurance amounts are also specified. Schleswig-Holstein, Lower Saxony and North Rhine-Westphalia provide minimum sums of 250,000 euros for property damage and 500,000 euros for personal injuries. If you live in Berlin or Hamburg, you must choose a sum insured of at least one million euros. You should always remember that compensation claims can be high, especially if it is a personal injury So it is advisable to choose a sum assured of at least five million euros
Imagine your dog is in a traffic accident in which a person is injured You are then liable to pay all compensation claims for the steps necessary to restore the health of the injured person This may include, for example, special assistance, medical treatment and care or nursing In worst-case scenarios, it may also be necessary to cover the cost of suitable vehicles for the disabled, vocational rehabilitation and home conversions. It can cost millions, which you can only get with dog liability insurance
There are a number of ways to save on dog owner liability insurance without getting lower benefits You will have to pay less in the following cases:
However, note that the rates for this insurance are usually not very high and you may be very limited, for example, by long minimum contract periods or high deductibles. The shorter the contract period, the sooner you can switch to another insurance company or tariff and benefit from lower premiums and better benefits.
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If you live in a rental house or home, you may be eligible for dog liability insurance Damage to so-called rental properties caused by dogs is not uncommon and is usually covered by the insurance company This could happen, for example, if the dog knocked over the bucket while playing, and the tenant’s carpet was damaged by the water flow. Many insurance companies offer benefits from 300,000 euros to 20 million euros
Does my dog owner’s liability insurance apply if I am not present at the time of the loss, or do I need to take out third party insurance?
By law, you need to exercise care when caring for animals If your dog is groomed by others, such as friends and acquaintances, who do not do so professionally, you should make sure when taking out the insurance that it includes third party grooming as a benefit element. As a rule, your family members will always be included in the group of insured persons
This is left in your contract Some insurers will also provide benefits if it is not caused by your dog.
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Dog owner liability insurance covers if another person or animal is bitten by your dog In addition to the agreed benefits, the insurance then covers, for example, doctor or vet compensation, damaged clothing and claims for pain and suffering. Pending the contract, if the dog bites another supervisor, this is called a parent bite.
Basically, a dog owner should always be liable to third parties for damages caused by their animal This also applies if he attends dog school training with his pet In this case, some insurance companies offer additional benefits that you can agree to in the contract With Luco, participation in dog training is included in the insurance
The German Civil Co. (BGB) releases the dog owner from liability if the dog is contractually placed in the care of a dog school and another person is harmed in the process. In this case, § 834 BGB, which provides for the liability of animal inspectors, applies. After that it is necessary to check whether the dog is present or not
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