Pet liability insurance

Pet liability insurance

Even the most well-trained pets can cause an accident. With pet liability insurance you’ll always be on the safe side.

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Pet liability insurance


Pet liability insurance

Even the most well-trained pets can cause an accident. With pet liability insurance you’ll always be on the safe side.

Pet liability insurance

What is it?

Pet liability insurance protects you, as the owner of the pet, from claims concerning damages caused by your pet – including those that are without any fault on your part. As such, you could consider the pet liability insurance as a private liability insurance for pets.
While small animals like cats or birds are included in your own private liability insurance, draught- and riding animals as well as dogs require a separate pet liability insurance. Therefore, they are often referred to as horse or dog liability insurance.

This type of insurance is mandatory in the states of Berlin and Brandenburg!

What are the benefits?

Imagine your pet running into the street and causing an accident. You as the owner are responsible, and will be held liable for any damages caused. This includes personal injury as well as material damages. Additionally, both of these can cause long-term financial damages. In these cases, the pet liability insurance kicks in and covers the damages for you as the policy holder. Usually, even indirect costs such as legal fees and court fees are covered. 
Especially personal injury cases often result in very high compensation claims which, without an adequate coverage amount in the insurance policy, can quickly lead to personal bankruptcy.
Most insurance providers charge significantly more for dog breeds that are considered particularly dangerous, or may even completely exclude these breeds altogether. When it comes to mixed breeds, things can often get complicated. Different states have varying individual regulations when it comes to these cases.

Who is it for?

Pet liability insurance is mandatory by law in Berlin, Brandenburg, and several other states.
However, it is highly recommended to insure yourself against liability claims even in states that have no legal requirement to do so.

Conclusion

As a dog or horse owner, you should absolutely take out pet liability insurance. In many states, you are actually required by law to do so. This type of insurance usually runs in the €50 - €100 range annually, and offers a coverage up to a double-digit million amount. To ensure that you and your pet are insured adequately, you should always seek consultation before taking out an insurance. Reach out to us to find your ideal insurance coverage – so you don’t need to worry letting your pet romp around.

Interesting & Useful things

Finanzen.de: https://www.finanzen.de/tierhalterhaftpflicht

Stiftung Warentest: https://www.test.de/thema/tierhalterhaftpflichtversicherung/

Wikipedia: https://de.wikipedia.org/wiki/Tierhalterhaftpflichtversicherung

Pet liability insurance

Did you know?

34 miilion

Number of pets in Germany

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