The Dangerous Dogs Act requires a dog owner to have which type of insurance?

The Dangerous Dogs Act mandates that dog owners of certain breeds must have public liability insurance. This type of insurance provides coverage for claims made against the owner for injury or damage caused by their dog to other people or property. It is essential for owners because it safeguards them against potential financial repercussions should their dog harm another individual or cause damage.

Pet insurance generally covers veterinary bills and care, which is not specifically required by law under the Dangerous Dogs Act. Personal accident insurance focuses on coverage for injury suffered by the policyholder, rather than third-party claims related to a dog’s behavior. Legal expenses insurance covers the costs of legal representation and related expenses but does not directly address liability for injuries or damage caused by a pet. Thus, the requirement is firmly centered on having public liability insurance to protect against liabilities arising from owning a dog that may pose a danger to others.