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Did your dog bite a person or another dog?

In most dog bite cases, the responsibility of the dog’s actions fall upon the owner.  When a dog bites, the injured party can go after the dog owner’s home, condo, renter or liability insurance.  When an insurance company gets involved, they look at who has care, custody and control of the dog. 

Every dog bite incident is handled on a case-by-case basis.  Each state, city and community has their own set of consequences the dog and dog owner must face.  It also depends on if you dog bites a person or another dog. 

Each Animal Control or Dog Warden will have a set of rules the dog owner must follow.  If the dog owner is aware their dog has a propensity to be aggressive or vicious, the injured person/party may be able to prove the dog owner is negligent.  This can result in a different set of issues for the dog owner.

So what happens to the dog?  Depending on the state, city and local rules, the dog may be quarantined for a few days/weeks in either the owner’s home or at the Animal Control facility.  Some owners are required to build a special kennel at their property and the dog must be on a leash with a muzzle while in public.  Quite often, the dog owner is required to get $100,000 to $1,000,000 in liability insurance to cover the dog. 

Here are a few EXTREME examples of cases we’ve dealt with…

We had one case where a dog got out of their yard and was “running the streets.”  This dog didn’t harm anything or anyone.  Animal Control took the dog in and required the owner to carry $1 Million of liability insurance and the policy had to state this was a “Dangerous Dog.”  We found this consequence ridiculous.

Another extreme example is a dog that bit a child in the face.  Animal Control allowed the owner to quarantine the dog at home and required the dog to wear a muzzle at all times while in public.  No insurance was required.  We were surprised the dog and the dog owner got off so easily.

Again, each incident is treated differently.  The best thing to do is to be a responsible pet owner and make sure you have home, condo, renter or liability insurance that includes coverage for your dog(s).

Einhorn Insurance provides reasonably priced policies with excellent coverage.  We do not breed discriminate and we can help you with insurance for Pit Bulls, Rottweilers, Dobermans, Staffordshire Terriers, Bull Terriers, Akitas, German Shepherds….etc.  We welcome all breeds.

For more information about what to do if your dog bites, check out or

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