Dangerous Dogs

Breeds like this Doberman were specifically bred for guard duty. (Photo credit: Wikipedia)

As an insurer, you are probably already aware that dogs are responsible for many of the claims made by homeowner’s insurance policyholders. Dogs can not only bite others, causing damages, but they can also cause damages to a person’s home.

Fortunately, studies have shown which dogs are more likely to cause injuries and/or damages, and as a result, you have the right to raise insurance rates for those who own “high risk” dogs.

Dogs that top the risk list include Pitbulls, Staffordshire Terriers, Doberman Pinschers, Rottweilers, Chows, Great Danes, Akitas, German Shepherds, and Siberian Huskies, among others. It’s up to you to decide if you will up rates for owners of these dogs, and if so, by how much.

However, the claims management process in general will likely cause you a lot less flack and backlash if you stick within the industry standards as they relate to rate rises and breed restrictions. To get help setting up or modifying claims management policies and processes related to dogs, contact HC Adjusters of New York.