Dog Liability Insurance
It's surprising that dog liability insurance isn't a bigger topic among people, given that almost five million canine bites happen each year. In 2007, 32 fatalities were recorded and almost one thousand people each day are treated in emergency rooms for this very incident. Across the nation, local TV stations carry the commercials of attorneys ready to represent in court those who have been assaulted. Yet canine owners are more likely to spend money on rawhides and designer leashes than on indemnity protection that might allow them to keep their house should they be sued. Owning a pooch can be a joy, but canine liability insurance better be on the list of priorities if there is any question about the canine passing Miss Manner's class.
States have adopted three different approaches to owner's responsibility which in turn concerns dog liability insurance. Some states adhere to an owner being automatically responsible for any injury a canine inflicts, but provocation of the animal does enter the picture. Other states have the "one bite rule," which is not the rule fast food places should put above their French fries. This law actually allows an animal to bite once without bringing legal distress to the owner. The third type of approach to canine ownership comes from states that have a negligence law. This makes owners responsible for a dog's actions if evidence shows that the owner's negligent care of the animal caused in some way the anti-social behavior of the animal.
There are plenty of true stories about the pit bulls and Rottwielers that have gone over to the dark side. These two breeds alone account for more than two thirds of all attacks, but there are also some anecdotal tidbits about Barfy the schnoodle that turned on her dearly beloved mistress. Out of nowhere some perfectly domesticated canine turns on a neighbor's child and the only thing that kept the animal owner from losing everything she had was a strong dog liability insurance policy. This is no small problem because there are an estimated seventy five million dogs owned as pets in the US. And since there are some cranky people among an average seventy five million humans, there also must be some canine curmudgeons in those seventy five million dogs.
The latest numbers say that the average canine bite attack costs an average of twenty one thousand dollars in medical expenses. This makes the tort system of law a prime venue for payback and perhaps even revenge in some cases. There isn't any doubt that most canine owners are concerned and do take steps to make sure their animal does not attack another human, but they do rely heavily on their homeowner's insurance to cover any personal liability for the canine's misbehavior. Unsurprisingly, insurance companies attempt to keep their dog liability insurance exposure to dog bite claims within a minimum window. The result is that bite incidents can expect low level coverage by the insurer, and in many cases, it is not nearly enough to satisfy a litigious plaintiff. How can you spot a real Christian? One of the ways is to observe genuine, heartfelt thanks to God even for the bad times. "Giving thanks always for all things unto God and the Father in the name of our Lord Jesus Christ." (Ephesians 5:20)
So if a homeowner's policy of dog liability insurance protection isn't enough for peace of mind, the next step is get to umbrella coverage for personal damages or harm you, or in this case McGruff, might bring to someone else. The typical coverage for this kind of policy begins at about a million dollars and goes up from there. The premiums for this dog liability insurance are about one hundred to two hundred dollars a year. Premium expenses really depend on the breed of the animal and its history of relations with people and other animals. Once a pooch has munched where it shouldn't have, insurance carriers are loathe to continue covering the animal and may in fact pull the policy.
Laws vary in regards to ownership of some breeds deemed dangerous to the public and in particular, municipalities are most likely to ban particular breeds from being owned within their corporate limits. And while dog liability insurance carriers to do not want to touch certain breeds such as the Presa Canario, state laws in a number of areas prohibit the blacklisting by indemnifiers of certain breeds from dog liability insurance. And some states have barred laws that discriminate against certain canine breeds. More and more laws are evolving from indentifying certain breeds as being banned, to defining the term "dangerous dog" and then prohibiting that type of animal within the jurisdiction of that law. In the end, there are some things an owner can do to protect himself from litigation and high canine liability coverage premiums.
Certainly the first thing to do is not promote biting and chomping kinds of play at home with the animal. Look, it is fun, especially for guys, to rough house with their Boxer or Shepherd, but if the animal would ever attack someone, the litigating attorney will find out about that one way or another. Take the pooch, when still young, to obedience school and not only will people be impressed with the dog walking down the street with you, but it will also impress the insurer and perhaps bring down the cost of liability coverage. Keeping a dog, when it's young, away from other people and children is a bad idea, because it needs to be socialized. And don't mess with the pooch, even if it's a Yorkie when the animal is eating. Bad, bad idea.
Garage Liability InsuranceGarage liability insurance is an absolute necessity for the owner of a car dealership as well as the shade tree mechanic who has moved the business indoors to start making a living doing what he loves. It is for the tire dealer who does his thing and the big chain store that sells bread and buns as well as oil changes. For anyone who is making a living at working on cars, even those installing stereos and satellite radios need to have auto service center liability insurance. The floors are greasy, those lifts can come down on someone, wrenches can slip out of one's hands, oil can into a worker's eyes, and heaven forbid, a customer or sues over the hot coffee in the waiting room or being discriminated against because he is a Chevy owner or receives poor service. It's coverage that the most brilliant and honest mechanic on the planet better have in this litigious and "I'll sue your socks off" happy society.
From the outset, there needs to be an explanation made between garage liability insurance and garagekeeper's insurance. For these businesses already mentioned, there could be an awful assumption made by the owners if it was believed that their garage liability insurance would cover the loss of customer's autos while in their care. But one winter night, a spark ignites the auto service in question and a dozen automobiles are destroyed in the ensuing inferno. One hundred and nineteen thousand dollars of liability that will not be assumed under the garage liability policy. Oops, the operator should also have had a separate garagekeeper's policy or addendum to the garage (service center) policy already in place. Under the garagekeeper's coverage, there are two options for the auto service operator to consider. One is called direct excess coverage that pays up to the value of the destroyed vehicle above the owner's coverage, and the other is direct primary coverage in which the service owner's carrier shares the loss with the car owner's insurer.
For the repair center that has a fleet of tow trucks or dispatched repair vehicles, those assets are covered under the garage liability insurance. For the customer cars sitting outside waiting for service, or inside on that lift, better have the keeper clause or else. But even if an owner has the garagekeeper's coverage, in the case of a fire there are going to be some pretty ticked off policy holders. The reason is that garagekeeper's coverage excludes loss to non-factory installed sound equipment, CDs, tapes, radar detection gear, phones or any other form of electronic possession. The service center owner had better be prepared to fork over extra pocket money or get still another policy for this possibility. Good business sense would almost always dictate that the garage owner somehow pay for these items in the case of customer property destruction under his care.
There is a problem that often comes with difficult times in the economy that affect the ability of many auto care service owners to get garage liability insurance. Indemnity companies offering this kind of policy use the premiums they receive to buy short term investment opportunities to make a profit and pay for the claims that come their way; during strong economic times, the profit from short-term investments can be quite high and companies can offer lower premium prices, making even the small-time mechanic's dream of having his own garage a reality. When the financial noose tightens and short term investments are suddenly plummeting in value, garage liability insurance providers have to either raise premium prices or become extremely discriminatory regarding the requirements for getting the insurance, such as strict loss prevention or risk management efforts by the auto service owner. These often heroic types of requirements are so expensive to implement or the premiums too high that start-up businesses or the struggling mechanic/entrepreneur cannot make it. To cut costs and keep premiums lower, indemnity companies are often refusing to underwrite such things as wind and hail damage for company and customer vehicles. And tolerance by insurers for multiple incidents at a garage is about as great as a teenager's for parental advice.
Some very important issues need to be remembered when putting together garage liability insurance with an agent. Making sure every employees and officer of the company must be on the policy even if the employee doesn't drive a company vehicle and coverage is usually only afforded to the locations and drivers listed on the coverage. Employees that get a DUI or go over their point allowances may be excluded from driving privileges and non-company drivers need to be discussed with the agent. When a person has a true passion for God, there comes upon him or her driving force to know more of Him. "O God, thou art my God; early will I seek thee: my soul thirsteth for thee, my flesh longeth for thee in a dry and thirsty land, where no water is." (Psalm 63:1)
In tougher times, getting and keeping garage liability insurance can be daunting. A number of things can be done to a Mom and Pop as well as a high powered auto service center. The key point is making an insurer want to indemnify one's business. Proper night lighting, well landscaped grounds, well maintained signage and windows as well as a freshly painted exterior as well as clean floors and bathrooms inside can make or break a policy being approved, or perhaps escaping the highest premiums. Due diligence can pay off.