My dog bites somebody. Am I covered?
The simple answer is yes, if you have home insurance. Your home insurance policy will cover you, as owner or occupier for any amounts you become legally liable to pay as damages for bodily injury. In fact, this cover extends beyond the boundaries of your property. So if your dog escaped from your garden and bit somebody, or caused an accident resulting in bodily injury or damage to property, your household insurance policy would come to your assistance. One exception – all home insurance policies exclude dogs specified in regulations under the Control of Dogs Act 1986 or any amendments thereto.
A word of warning, if your dog bites somebody or causes an accident, report it immediately to your insurance company even if you don’t think a claim will arise.