Frequently Asked Questions


What does the Canine Liability policy cover?

Includes injuries to people including scratches, bites, or causing them to fall; injuries to other animals is also included.

Can I get coverage for my pit bull?

We can insure your pit bull or any other breed that is labeled as “dangerous” or “viscous”.

What limits are available in the policy?

We have four (4) choices and we will quote them all: $25,000, $50,000, $100,000 and $300,000.

What if I need a higher limit?

We can provide limits up to $5,300,000; we achieve this by writing a primary policy for $300,000 and an umbrella policy from $1,000,000 to $5,000,000.

How can I get a quote?

Currently we need an application, which we can send by email, fax or post; it can be
submitted by any of those methods.

What deductibles options do you offer?

Our policy has no deductibles.

What options are available?

The policy is all-inclusive and the only options are the date the policy is force and the limit you select.

What if my dog has a behavior history of some type?

Dogs with history of injuring a person, animal or simply involved in an incident will be considered.

What if my landlord, property manager or governmental agency wants to be an additional insured?

We can add multiple additional insureds for a small additional charge.

How long is the policy in effect?

We only write an annual policy. There are no additional or hidden charges during the year unless you choose to make changes to the policy and the quote you receive will be for 12 full months.

Can I finance the premium?

We are able to finance any policy that produces a pure premium, without fees or taxes, of at least $400 annually, which will be on your quote.

What are the monthly payments?

If we are able to finance the premium we need 25% of the annual premium, all fees and taxes as the down payment. The balance plus interest is divided into 6 monthly installments.

What methods of payments do you accept?

We will take debit or credit cards.   We will also be able to accept money orders, cashier’s checks and checks, however, checks that do not clear will void the policy.

What is an Admitted Company vs. an Excess Surplus Company?

An Admitted Insurance company has had all rates, forms and underwriting approved by your state. The advantage is that if the company goes out of business claims should be covered by your states guaranty fund.

What is an Excess and Surplus company?

Often companies will sell policies on a Non Admitted basis, which means that if the company were to go out of business there would be no protection by the state guaranty fund.

What is an Alien Insurance Company?

This doesn’t refer to an insurance company from another planet. It refers to one that is incorporated under the laws of a foreign country, as opposed to a “foreign” insurance company which does business in states outside its state of domicile.

Explain Diligent Effort Form or Surplus Lines disclosure statement.

Because this coverage is new it has been brought to the market as a Surplus Lines policy through the Excess and Surplus Market. The primary difference in this and most policies is that if the insurance company were to go out of business there would not be coverage under your State Guaranty Fund. However, this policy is through one of the largest syndicates at Lloyd’s of London, which is one of the oldest if not the oldest insurance company in the world. To prove that you have been made aware of this, you may have to sign a form predetermined by your state.

What happens if I cancel before the end of the year?

The policy can be cancelled; if there are any additional insureds we have an obligation to notify them. The premium is returned according to your state law, however, no fees are ever returned.

How do I cancel a policy?

Give us a call to send you the paperwork necessary to cancel the policy.

What happens if I forget to pay my installments?

All installments are ACH and will be drawn directly from your account. If you are cancelled for nonpayment of premium we will return any premium that has been paid but not earned, meaning used up. The fees will not be refunded and we will not rewrite your coverage.