If you own a dog, be aware that dog bites do occur. Public health estimates indicate millions of people are bitten by dogs each year, and a sizable portion of those bites require medical attention.
Beyond medical costs, the property/casualty industry pays out hundreds of millions of dollars for dog bite claims annually. For guidance on how insurers handle these claims and the risks involved, see Understanding Dog Bite Insurance Claims and Risks.
Prior to bringing a dog into your household
- Speak with a professional such as a veterinarian, animal behaviorist, or a responsible breeder to find which breeds are the best fit for your household.
- Dogs with aggressive natures are not appropriate for households with children.
- Pay attention to cues that a child is apprehensive about a dog. If a child seems fearful, wait before bringing a dog into your household.
- Before buying or adopting a dog, spend time with it. Exercise caution when introducing a dog into a home with an infant or toddler.
If you decide to adopt or purchase a dog
- Spay or neuter your pet, since this action can reduce aggressive tendencies.
- Never leave young children or babies alone with a dog.
- Don't play aggressively with your dog; avoid wrestling or tug-of-war games.
- Teach your dog submissive behaviors such as rolling over to expose the abdomen and giving up food without growling.
- Seek professional advice from a veterinarian or responsible breeder if the dog develops aggressive or other unwanted behaviors.
For broader perspectives on insurance and liability trends that may affect pet owners, consult Insurance Trends and Risks.
Teach children special safety precautions to take around dogs
- Children should not approach an unfamiliar dog.
- Don't run from a dog or scream.
- If an unfamiliar dog approaches, remain motionless.
- If knocked over by a dog, roll into a ball and lie still.
- Report stray dogs or dogs displaying unusual behavior to an adult.
- Avoid making eye contact with a dog.
- Do not disturb a dog that is sleeping, eating, or caring for puppies.
- If bitten, immediately report the bite to an adult.
Be a responsible pet owner to help protect yourself and others from dog bites, pain and suffering, and from insurance claims. For additional safety tips and insurance-related guidance for owners and breeders, see Insurance Insights and Safety Tips.
If you have questions about coverage or need help finding the right policy, you can talk to your agent.
Frequently Asked Questions
How common are dog bites?
Estimates show millions of dog bites occur each year, and a significant share require medical attention; however, rates vary by location and reporting practices.
What immediate steps should I take if someone is bitten?
Seek medical attention as needed, clean the wound, and report the incident to an adult or local health authority so vaccination and reporting steps can be followed.
Can training reduce the risk of bites?
Yes. Proper socialization, obedience training, and avoiding rough play can lower the risk of aggressive behavior.
Should I tell my insurance company if my dog has shown aggressive behavior?
Notify your insurer if required by your policy and discuss whether additional liability coverage is advisable.