Pet Liability Insurance
Peace of mind for you, freedom for your dog or horse
One moment is enough: your dog or horse causes damage and you are liable for it, with no limit on the amount. Our pet liability insurance protects your assets against personal, material and financial damage your pet may cause to third parties, at home and abroad.
Benefits of this insurance
Choose between €10, 20 or 50 million in coverage.
Unlimited time within Europe; up to five years in the rest of the world.
We compensate you if the person who damaged your pet cannot pay.
Take out the policy for your dogs and/or your horses.
Coverage comparison
| €10 million | €20 million | €50 million | |
|---|---|---|---|
| Cover for the at-fault party's insolvency | |||
| Temporary stays abroad | |||
| Damage during mating | |||
| Bail abroad | |||
| Damage caused by puppies or foals | |||
| Walking the dog off the leash | |||
| Participation in races and competitions | |||
| Damage to rented property | |||
| Damage to rented horse trailers | Up to €10,000 | Up to €10,000 | Up to €10,000 |
| Damage to rented riding equipment | Up to €2,000 | Up to €2,000 | Up to €2,000 |
Additional modules and benefits
Combine with private liability
Cats and other small animals are usually already covered by your private liability insurance, not by this specific policy.
Pet health insurance
Complement third-party protection with veterinary expense coverage for your dog, cat or horse.
What is covered
Owners and caregivers
We cover the owner, non-professional caregivers, other riders, riding partners and family members.
Occasional professional use
Occasional, non-primary use as a therapy dog/horse, rescue dog, search dog or guard dog is also covered up to certain revenue limits.
Damage while walked by third parties
If a friend or family member walks your dog and it causes damage, they are also covered, except for professional dog sitters.
What is not covered
Cats and small animals
This policy exclusively covers dogs and horses; damage caused by cats or other small animals is covered by private liability insurance.
Own damage
Damage to your own property or injuries to yourself or your family are not covered.
Intentional damage
We do not cover damage caused intentionally or through gross negligence.
Ongoing commercial use
Continuous (non-occasional) commercial use of the animal can only be insured together with the corresponding business risk.
Hunting dogs
If you need to insure your hunting dog, take out our hunting liability insurance instead.
Real claim examples
Dog causes a traffic accident
A Labrador breaks free from its leash during a walk and runs into the road. A driver swerves and hits a lamppost; the driver is unharmed, but the car is damaged. The insurance covers the material damage.
Horse injures a helper
While loading the horse onto the trailer, it becomes nervous and kicks a stable helper, fracturing her shin. The insurance covers the personal injury.
Dog damages furniture
While visiting a friend, the dog knocks over a floor lamp while playing, breaking it beyond repair. The insurance covers the material damage.
Frequently asked questions
Does pet liability insurance also cover trips abroad?
Yes, unlimited within Europe and up to five years in the rest of the world. If a bail is required abroad for damage caused, we advance it for you.
What exactly does this policy cover?
It covers personal, material and financial damage caused by your dog or horse, including cover for the at-fault party's insolvency if someone damages your pet and cannot pay you.
Does it also cover cats and other small animals?
No, this policy is exclusive to dogs and horses. Damage from cats and other small animals is covered by your private liability insurance.
Am I covered if my dog is off the leash?
Yes, even without a leash or muzzle, you are covered up to the contracted coverage sum.
Are puppies and foals covered?
Yes, damage caused by puppies or foals you own is covered up to twelve months of age.
Is this insurance mandatory?
There is no general obligation, but it is mandatory for dogs in many German regions, and for certain breeds elsewhere. We recommend taking it out regardless, since liability is unlimited.
Do you have a dog or a horse?
Protect your assets against damage they may cause to third parties. We will help you choose the right coverage sum.
Request free advice