Pet Protection PAK

Overview of the Program From Personal Care & Assisted Living Insurance Center

Pet Protection PAK is a specialty program offered through Personal Care & Assisted Living Insurance Center that helps agents place dog bite and dog liability exposures that may be declined or excluded by standard homeowners or renters policies. As a managing general agency, we access multiple admitted and non-admitted carriers (Various) to provide flexible, breed-aware liability solutions for insureds nationwide.

What this program does for your clients

• Provides a standalone dog liability policy for homeowners or renters when their primary carrier excludes certain breeds or limits animal liability.
• Fills coverage gaps quickly so insureds remain protected for dog bite and related third-party liability claims.
• Offers competitive placements across most states through admitted and non-admitted markets.

Ideal Accounts and Appetite

Pet Protection PAK is best suited for individual dog owners and households that need a limited, focused policy for dog liability. Typical fits include:

• Owners of breeds often restricted by standard homeowners markets.
• Renters or condominium owners whose HOA or lease requires proof of dog liability insurance.
• Clients with prior non-claim incidents or minor animal-related exposures that make placement in the standard market challenging.

Not typically a fit: commercial kennels, breeders, dog trainers, dog walkers, or accounts where animal-related incidents are frequent or involved in commercial activity. Those exposures generally require a specialized commercial policy.

Coverage Highlights and Advantages

• Standalone dog bite/dog liability coverage designed to complement or replace excluded coverage from homeowners/renters policies.
• Flexible limits available through multiple carriers to match client needs.
• Quick turnaround from underwriting for standard residential accounts.
• Available in Most Available States, with a broad territorial footprint (see Territories below).

Underwriting Notes and Minimum Premiums

Underwriting is breed-aware and focuses on household risk factors such as prior incidents, number of dogs, containment, and veterinary history. Minimum premium and final pricing vary by carrier, state, and risk characteristics—minimum premium: Varies. Provide full dog and household information to get an accurate indication.

Territories and Availability

The program is available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Positioning may vary by carrier and state—confirm availability at submission.

Why Work With Personal Care & Assisted Living Insurance Center

• Specialty focus as an MGA gives you access to multiple carriers and flexible placements for animal liability exposures.
• Responsive underwriting geared to residential dog liability — fast quotes and practical placement decisions.
• Agent-focused service: we help you determine fit quickly so you can deliver timely solutions to your clients.

Example scenarios

• You have a homeowner whose insurer excludes coverage for their dog’s breed; Pet Protection PAK can provide a standalone dog liability policy to satisfy mortgage or HOA requirements.
• A renter is required by a landlord to show dog liability coverage; you can secure an affordable, focused policy without re-writing the primary renters policy.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.