ISO HOMEOWNERS OPTIONAL COVERAGE ENDORSEMENTS

HO 24 77–Canine Liability Exclusion Endorsement

This form is a named dog exclusion. Space is provided to enter a name and description of a dog. When attached, it eliminates BI and PD caused by the described dog. The exclusion applies to that dog whether it is owned as well as in the care, custody or control of an insured.

Note: The form may be problematic to apply to non-owned animal situations. What would be the circumstances that this endorsement would be executed for non-owned dogs? Further, how would enforcement be affected by a dog’s name change or an ambiguous description. A photo or micro chipping requirement may have made sense.

AAIS HOMEOWNERS COVERAGE ENDORSEMENTS

HO 2001–Exclusion - Injury Arising Out of a Canine

This form allows an insurer to write an HO policy that includes what it deems an unacceptable liability exposure to a dog-related loss. The form must be signed by the named insured and it requires a description of the excluded animal. The form applies to the described animal, whether owned or in the custody of the insured household.