Animal husbandry liability: insure the own animal favorably

Animal keeper comparison: Favorable protection for the beloved four-legged friend

  • Comprehensive protection for pet owners
  • Reliable protection for the four-legged companion
  • Free comparison of many tariffs
  • Easy and convenient to complete online

  • Comprehensive protection for pet owners
  • Reliable protection for the four-legged companion
  • Free comparison of many tariffs
  • Easy and convenient to complete online

Horse Owners Liability

Private liability insurance

Dog owner liability

Horse Owners Liability

Private liability insurance

Dog owner liability

Avoid financial risks with animal husbandry liability

The dog is frightened, runs on the street and causes a traffic accident. This not only causes a serious material damage. Even persons are injured. Especially in such a case, it can be quite expensive. After all, you have to bear the costs incurred by your own dog yourself. This also applies to horses that damage objects or injure persons. Since the private liability but usually only tame small animals are insured, one should look at larger animals to one Pet owners liability To take care of.

What is a pet owner liability insurance?

Livestock liability, often referred to as animal liability insurance or animal insurance, is an insurance that covers any damage caused by the animal of the insured. Whilst small animals such as guinea pigs, birds, rabbits and cats are usually covered by private liability insurance, larger animals usually require separate insurance cover. In everyday life, this insurance mainly damages Dogs and horses insured. For small animals, animal owners liability is only required if they are particularly exotic animals that are not among the tamed small animals, or the corresponding animal is kept for commercial or agricultural purposes.

Animal husbandry liability, often referred to as animal liability insurance, is an insurance that covers any damage caused by the animal of the insured person. Whilst small animals such as guinea pigs, birds, rabbits and cats are usually covered by private liability insurance, larger animals usually require separate insurance cover. In everyday life, this insurance mainly damages Dogs and horses insured. For small animals, animal owners liability is only required if they are particularly exotic animals that are not among the tamed small animals, or the corresponding animal is kept for commercial or agricultural purposes.

While the dog liability in some federal states even one insurance is, there is no compulsory insurance for the horse liability, but it is a voluntary protection for the attendant. However, one should keep in mind what kind of damage a horse can cause, e.g. when it scares and flees. For both a horse and a dog, not only objects, but also people can be harmed. And then it can quickly get really expensive.

Some insurers also offer the option of co-insuring the dog or horse via private liability insurance. If this addition is included in the contract, it is essential to pay attention to the individual services as well sufficiently high sum insured be respected.

Health insurance also makes sense

In addition to a Haftpftlichtschutz a health insurance for four-legged friends often makes sense. A dog health insurance or a horse surgery insurance protects the faithful companion in case of illness and accident.

Who is insured by animal liability?

A pet owner liability not only the owner of the animal and his family are insured, if this causes damage. Damage caused by the animal under the supervision of a third party will also be covered by the insurance. It is important, however, that the Supervision free of charge takes place, so the persons who guard the animal are not paid for it. In addition, care should be taken in horses, too foreign riders and riding participations are protected by the insurance.

Animal husbandry liability insurance: observe restrictions

But not all horses or dogs are always insured completely. So neither horses nor dogs are insurable, the used commercially become. This exclusion applies, for example, often for tournament or race horses as well as for dogs, which are necessary for the practice of a profession or trade. In the dog liability, it also comes on the race of the corresponding four-legged friend. Many insurers exclude so-called fighting dogs, ie breeds that pose a particular risk, or insure them only for increased contributions.

What is covered by a pet insurance?

By a pet owner liability are usually Personal injury, property damage and financial loss covered up to the agreed sum insured. Care should be taken that the sum insured, often referred to as the coverage amount, is not too low. Finally, personal injury can quickly reach millions and also pecuniary damage, e.g. due to loss of earnings. Just for this reason, it is recommended a Sum insured of at least 5 million euros complete. Finally, in an emergency, not only costs for the treatment and the loss of earnings, but also corresponding care costs can be paid to the animal keeper. The costs usually also cover the costs for the defense against unjustified claims for damages as well as damages, which resulted from the lead without leash.

By a pet owner liability are usually Personal injury, property damage and financial loss covered up to the agreed sum insured. Care should be taken that the sum insured, often referred to as the coverage amount, is not too low. Finally, personal injury can quickly reach millions and also pecuniary damage, e.g. due to loss of earnings. Just for this reason, it is recommended a Sum insured of at least 5 million euros complete. Finally, in an emergency, not only costs for the treatment and the loss of earnings, but also corresponding care costs can be paid to the animal keeper. The costs usually also cover the costs for the defense against unjustified claims for damages as well as damages, which resulted from the lead without leash.

Overview of possible additional benefits for individual animal liability insurance:

For dogs and horses Dogs liability Horses liability
rented property Foreign guardian risk Horse sharing
stay abroad Participation in dog schools Tournaments and races
cover damage Lead without leash carriage rides
Junior insurance included
up to 6 months
Shows and competitions Foreign and guest-equity risk

What does a pet owner liability insurance cost??

Who worries about the Costs for a pet owner liability makes, can be calm. Both the protection for the horse and for the dog is already available for less than 100 euros per year. So finding a cheap pet owner liability is not the problem. But you should definitely look at the individual benefits of each tariff before graduation. After all, all the needs of the pet owner should be covered by the insurance. With the help of a pet owner liability comparison one receives fast and simply an overview over the different offerers and their respective tariffs.

However, the costs of animal husbandry liability can not only be reduced by the agreed sum insured and the insured benefits. Also the Agreement on a deductible may lead to a lower annual contribution to the pet owner liability. If one agrees, for example, a deductible of 150 euros, this is the amount that must be borne by the insured in the event of damage. In return, the contribution drops and it is cheaper if you want to insure your animals.

The level of animal husbandry liability is also influenced by the Race of the animal – especially in dogs – and whether the insured animal is still a puppy or a foal. Some insurers also offer a discount for other animals that are insured for livestock liability.

Animal Liability Insurance Comparison: Find the right fare

In order to protect yourself from the costs of the damage caused by your own animals, you should not waive a corresponding insurance. Since tame small animals are usually covered by the private liability, for example, there is no reason to conclude a separate liability insurance for birds. However, things look different in dogs and horses. In order to hedge this comprehensively, the conclusion of a pet owner liability for dog and horse owners is recommended. You want find the right offer, A pet owner liability insurance comparison can be used. Because this provides not only information on the amount of the various insurance contributions, but also to the respective insured benefits of the tariff.

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Christina Cherry
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