Dog Bite Protection for Owners and Property Managers

Dog bites on rental properties can lead to serious injuries and costly legal battles. Since the COVID-19 pandemic, the frequency and severity of dog bites have increased, making it more important than ever for property owners to protect themselves from potential liability. 

Your Renters Have Dog Bite Coverage. Do You?

When a dog bites someone on a rental property, the renter who owns the dog is typically responsible for their pet’s behavior. However, victims may also pursue legal action against the property owner, especially if they believe the owner failed to ensure a safe environment. 

While master policy endorsements provide dog bite coverage, this protection extends only to renters, not property owners. Similarly, traditional renters insurance policies are designed to protect renters rather than owners. Even if a renter’s policy includes dog bite coverage, most carriers have breed restrictions. However, the complexities of insurance policies and nuances between carriers make it challenging to verify which breeds are covered and which are excluded. 

On top of that, the animal liability sublimit in these renters policies are often capped at $10,000—an amount that may fall short of covering the costs of a serious incident. While general liability insurance for a property may also include coverage for dog bites, it often comes at a significantly higher cost, making it a less practical option for many property owners. 

Close the Dog Bite Liability Gap

Born out of a direct client need, Get Covered offers a first-of-its-kind solution with its Dog Bite Protection for Owners policy.

“Our current client came to us with this problem, and they didn’t know what to do,” explains Lucy Babin, Director of Sales at Get Covered. “Our team works as a true partner to our clients, so we were eager to come up with a solution. That’s why we created a policy that provides $100,000 of liability coverage, automatically enrolling 55,000 dogs across their properties.” 

Unlike traditional renters insurance, this policy is specifically designed to protect property owners and managers. Here’s what sets it apart:

•  All-Breed Coverage: Unlike traditional renters policies that impose breed restrictions, Get Covered’s policy covers all breeds. Property owners stay protected regardless of the types of dogs living on their properties. 
• Liability Limit: Get Covered provides up to $100,000 per occurrence and an aggregate of $4m per 12 month period for losses that qualify for coverage. This provides substantial financial protection.
• Medical Payments: A sublimit of $25,000 is available for necessary medical expenses incurred within one year of a dog bite incident.
• Legal Defense: The coverage will also provide a defense against suits brought against the insured, up to the specified liability limit.

Protect Your Property and Peace of Mind

Get Covered’s Dog Bite Protection for Owners is the only policy of its kind, offering unparalleled protection for property owners and managers. But what truly sets Get Covered apart is our client-first approach that lies at the heart of everything we do. Whether it’s ensuring renters insurance compliance across properties, creating tailored solutions for clients in need, or delivering a seamless white-glove experience for your residents, Get Covered is committed to being a trusted partner. 

Interested in learning more about our Dog Bite Protection for Owners, or how we ensure your residents are insured? Let’s start a conversation today.