Kit heard the child's cry and rushed out to help. She ended up getting bit by a dog named Tank. Then she was accidentally tased and finally shot by police officers as they attempted to gain control of the situation. Kit and the child sued Tank's owner, but his homeowners carrier refused to pay because this was Tank's second bite.

Click here to see how the courts responded to the argument that a "second bite" exclusion was contrary to public policy.

Insurance coverage for dog-related injuries vary by carrier so it is very important to let clients know how important responsible pet ownership is and how the type of dog and its aggressiveness of the breed can impact homeowners coverage.

Click here to review two e-marketing articles you may want to send or place in a newsletter.

ISO and AAIS homeowners policies include coverage for dog bites. However, they also both have dog bite endorsements that eliminate coverage. These endorsements are attached based on underwriting considerations and therefore will vary significantly by carrier. In addition, many carriers, such as the one in this court case, have developed their own wording to exclude coverage.

Click here to review a brief description of the AAIS and ISO dog-related exclusions.

Turning a difficult conversation about dog-related injuries can turn into a positive sales opportunity if you are interested in selling pet insurance. Pet ownership is expensive and, without pet insurance, owners may be required to make decisions based on available financial resources. The pet protection policies now available could provide attractive alternatives for your dog (and cat) owning clients.

Click here for a Rough Notes Article to help guide your discussion.