A Guest’s Dog Attack Cost $1 Million
Managers and co-hosts often allow pets but one incident can change everything. Dog bites are one of the most expensive liability claims in the U.S., with insurers paying out over $1 billion annually.
Vacation Rental Dog Attack Liability Insurance Claim Example
The Incident
A guest violated house rules by bringing a dog to a vacation rental. The dog bit a neighborhood child, causing permanent disfigurement. The child’s family sued both the property owner and manager for $1 million.
The Gap
Standard homeowners’ insurance excludes business activities and pet-related incidents. Even many STR-specific policies limit or exclude coverage for dog bites entirely, because the dog bite injuries occur off premises.
The Cost
$1,000,000 lawsuit for medical treatment and damages
Emotional toll on the family and the hosts involved
Long-term community reputation damage
How Wister Insurance® Coverage Helps
Wister’s general liability protection is designed to respond to guest-related incidents, including those involving animals brought on-site. The coverage extends beyond the premises, such as this claim, where the bodily injury or dog bite occurred away from the vacation rental.
Takeaway
Even if your house rules say “no pets,” one violation can lead to a massive liability claim. Wister ensures you’re not left paying the price.
Note: Dog bite incidents are a top liability claim, costing insurers over $1 billion annually in settlements.
Protect your business from costly liability claims. Get a quote today.
*While Wister cannot disclose details of actual lawsuits or settlements, the examples shared here reflect real claim scenarios and hypotheticals designed to illustrate the protection our policies provide.
