Dog Bite Liability Insurance

Florida is a strict liability state when it comes to dog bites. That means as a dog owner, you are legally responsible for injuries your dog causes, even if your dog has never bitten anyone before and even if you had no reason to believe your dog was dangerous. Dog bite claims are one of the most common and costly homeowners insurance claims in the United States. A single claim can run into the tens of thousands of dollars, and severe attacks can cost far more. Without proper coverage, a single incident could devastate your finances. At B & B Insurance Agency, we help dog owners review liability coverage options, whether through your homeowners or renters policy or through a standalone animal liability policy if your breed is excluded.

Florida Statute 767.01 imposes strict liability on dog owners: Strict Liability: You are liable for damages if your dog bites someone, whether or not you knew the dog was aggressive. There is no 'first bite free' rule in Florida. Comparative Negligence: If the victim was partly at fault (trespassing, provoking the dog), your liability may be reduced proportionally. Dangerous Dog Classification: If your dog is classified as 'dangerous' after an incident, Florida law imposes additional requirements including specific insurance coverage, secure enclosures, and registration. Landlord Liability: If you're a landlord and know a tenant's dog is dangerous, you could face liability too. Commercial property owners should also consider animal liability coverage.