Loving a dog is easy. But loving a dog with a challenging past takes patience, resilience, and a clear understanding of the risks. Whether your dog has shown signs of fear-based aggression or has a documented bite on record, finding the right protection matters.
Can you get dog bite liability insurance if your dog has a history of aggression? Often, the answer is yes — but it depends on a few important factors.
08/08/2025
As backpacks come out and routines shift, families everywhere prepare for the back-to-school season. But one family member often gets overlooked during this transition — your dog.
That’s where dog liability insurance becomes essential for families looking to reduce risk and protect everyone involved.
07/23/2025
Summer brings a whirlwind of activity — backyard barbecues, family vacations, and spontaneous gatherings. While these events are delightful for humans, they can be overwhelming for our canine companions.
Understanding these risks and considering dog liability insurance can help protect both your pet and your peace of mind.
07/16/2025
Dog-related incidents, such as bites or property damage, can have serious financial consequences.
That’s where dog liability insurance for renters becomes essential, offering peace of mind and protection beyond standard renters insurance.
07/14/2025
Summer means longer days, backyard barbecues, and plenty of outdoor fun. However, for dog owners, it also means a higher chance of dog bite incidents. With kids out of school, guests coming and going, and temperatures rising, it’s more important than ever to keep safety top of mind.
While prevention is key, having dog bite liability insurance adds an extra layer of protection when the unexpected happens.
07/11/2025
If you think your homeowners insurance has you covered for everything your dog might do, you’re not alone. Many dog owners assume their policy protects them from any incidents involving their pet. But the truth is more complicated.
That’s where dog liability insurance comes in — offering tailored protection designed specifically for pet owners.
06/30/2025
Sharing your apartment with a beloved dog brings comfort, joy, and companionship, but it also comes with responsibility. Accidents can happen in the blink of an eye, and when a guest or neighbor is involved, the result could be costly. Medical bills, legal claims, and property damage are all real possibilities. That’s why securing dog liability insurance for renters is essential to protect your pet, your guests, and your peace of mind.
That’s why securing dog liability insurance for renters is essential to protect your pet, your guests, and your peace of mind.
06/24/2025
Pit bulls are among the most loving, loyal, and misunderstood dogs in the country. While many pit bull-type dogs make wonderful family pets, they continue to face challenges based on outdated stereotypes and unfair stigma. This can be especially frustrating for responsible owners who struggle to find fair insurance coverage.
That’s where pit bull liability insurance comes in — offering protection without prejudice and peace of mind for dog owners who know their pets are more than just a label.
06/09/2025
Summer dog playdates offer fun and exercise—but social outings can also lead to unexpected incidents.
From bites to tussles to knocked-over kids, summer brings an uptick in pet-related risks, making dog bite insurance a smart safeguard for pet owners.
05/28/2025
Many homeowners assume their standard insurance policy fully protects them if their dog causes injury or damage, but that’s not always the case. Coverage can be capped, limited, or even excluded entirely depending on the dog’s breed, bite history, or the insurer’s underwriting guidelines.
That’s why dog liability insurance for homeowners is a critical safeguard that fills the gaps left by traditional homeowners coverage.
05/21/2025
There’s nothing quite like heading outdoors with your dog, especially during warmer months. Whether it’s hiking, picnicking, or visiting the beach, these shared experiences can be deeply rewarding. But new environments also bring new challenges.
There’s nothing quite like heading outdoors with your dog, especially during warmer months. Whether it’s hiking, picnicking, or visiting the beach, these shared experiences can be deeply rewarding. But new environments also bring new challenges. Even well-trained dogs can react unpredictably to ...
05/16/2025
Dog ownership comes with joy, companionship, and legal responsibility. If your dog bites someone, you could face thousands in medical bills, legal fees, or court-ordered damages.
Understanding the dog bite liability insurance cost is essential for pet owners. This coverage provides an affordable
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Coverage for Medical Expenses and Legal Defense if FIDO Causes An Injury
It’s likely that the seed to become a champion for man’s best friend was planted in Deborah Turner years ago when, as a child, she witnessed an act of animal abuse yet was powerless to stop it. Fast forward to today, when Debbie has parlayed her love of dogs, a deep understanding of their behavior, and a strong background in insurance to replace coverage that is being removed from homeowners and rental policies with Canine Liability Insurance.
While doing research for a paper for the prestigious Society of Chartered Property and Casualty Underwriters (aka CPCU), it occurred to her that there is a gross misunderstanding by the insurance industry as to which dogs to insure for dog bite liability. Finding that breed is only one small part in the process, Debbie looked at developing a rating modality that incorporates identifiable factors as to the likelihood a dog will bite regardless of the breed. The most often question asked is will she insure one of the so-called dangerous breeds, and the answer is yes! The Canine Liability Policy is designed for any and ALL Breeds of dogs.
Inside the Canine Liability Insurance Policy
Debbie developed the Canine Liability Policy offering protection for dog owners in the event their dog(s) injures a person or another animal. Each dog is individually underwritten examining those characteristics that play a part in the propensity for dog biting. Policy limits range from $25,000-$300,000. Debbie also has the ability to include additional insureds if required. In stark contrast to other programs, Canine Liability insurance does not exclude any particular breed of dog; this approach is central to Debbie’s unique understanding of dog behavior that has turned underwriting this risk on its floppy ear.
The program initially began in 2012 available in a limited number of states. Today Canine Liability coverage is available in all states except Alaska. The policy has also been redesigned to offer much broader coverage with no deductible. You can request a quote by filling out an on-line application and emailing it to [email protected], or by completing the lead form on this page for more information.
The policy was originally sold through a subsidiary of her agency Federation of Insured Dog Owners aka F.I.D.O., and is now sold through Debbie’s agency, Dean Insurance Agency, Inc. Dean Insurance was established in 1994 and provides a broad range of insurance products and services to personal and business customers.
Debbie has recently been nominated a finalist for Woman of the Year in the Pet Industry Network.
Now you can protect yourself and your best friend with a Canine Liability Insurance Policy. Just complete and submit our on-line application today and we will send you a quote.