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A: According to common (âcaseâ) law, dogs are generally given âone free bite.â If you bring a legal action under common law, you would have to prove that the owner knew the dog was vicious and that the owner was negligent in handling the dog.
A Florida-based operation has started offering a low-cost dog bite liability insurance policy that protects dog owners in the event their dog bites an individual and causes harm.The Covered Canine policy is the brainchild of Debbie Turner, president of the Dean Insurance Agency in Altamonte Springs, Florida.Turner offers the policy through the Federation of Insured Dog Owners, Inc. (F.I.D.O.), an offshoot of her commercial lines agency.t the same time, homeowners and renters policies often exclude dog bite liability protection entirely or exclude certain breeds from coverage. Available exclusively to F.I.D.O. members, covered canine insurance is underwritten by Great American Insurance Company and is currently available only in Florida.