Do You Own a Vicious Breed Dog?

When a person adopts a dog, they typically adopt it to have a fur baby to love and call a family member. The way a dog is raised is usually (in most cases) the reason they turn against someone and bite them or become the worlds biggest babies. In our family, our dogs have a middle name called "spoiled". However, because our way of teaching/raising our pets does not mean that everyone does the same. When my children we very young, they were taught to never bend down into a dogs face when petting. The chance of getting bit should be avoided as much as possible. So far, we have been lucky.

• 

Any breed of dog can harm someone very badly. Some small dogs are far more vicious than the large "vicious breed" could imagine being. Unfortunately, the few and far between lawsuits around the country have caused the insurance carriers to tighten down and decline to insure our customers.

As an independent insurance agent, our office has the capability of providing you a stand alone liability policy that will cover you up to the policy limit (usually $1M - $2M) for your vicious breed animal either on or off your premises. That means, you can have coverage while walking the dog or if it decides to be the great escape artist and chase a person down the road, you have coverage for a lawsuit. This comes with a price tag of about $1000 per year. However, this does not relieve you of your headache of having to deal with your homeowners policy being cancelled or non renewed. The misery of being placed in the "high risk" market for property insurance can cause "sticker shock" and the loss of policy packaging and discounts.

Please understand that insurance underwriting will not ease up on this subject, but get harder as more lawsuits hit the books. I have included a list of "vicious breed" dogs that the industry considers ineligible for the owner to purchase property/homeowners coverage through the preferred market.

1. Pit Bulls & Staffordshire Terriers

2. Doberman Pinschers

3. Rottweilers

4. German Shepherds

5. Chows

6. Great Danes

7. Presa Canarios

8. Akitas

9. Alaskan Malamutes

10. Siberian Huskies

11. Wolf-hybrids

(Note: Insurance companies tend to deny coverage for the first four breeds on this list most often, experts say.)

#Husky #PitBull #Dog #Insurance #ViciousBreedDog

Importance of Disability Insurance for the Working Professionals

How many of you can count on one hand; friends, family and possibly co-workers that enjoy recreation? Snowmobiling, Dirt Bikes, ATV's, Boating, Skiing, etc? Mostly everyone has enjoyed the great outdoors sometime in their life.

While all fun, a person poses a risk of having an injury that puts them out of work. Whether you are the CEO of a large franchise, Sole Proprietor or Breadwinner of the family, you will see a loss of income or perhaps loss of profits from being out of work due to injury off the job.

Long-term disability insurance usually replaces up to about two-thirds of your income if you can no longer do your own job (or any job, depending on the policy terms). The premiums tend to run roughly 1 to 3 percent of your annual income (non employer plan)

Disability Insurance can keep bills paid and payroll running for you or your business. A quote is free. Trust me, when its too late, you would have wished you made the choice.

Click the link below for a great article regarding Disability Insurance.

http://yourrichestlifeplanning.com/disability-insurance-importance/

For an appointment, please call us at 307-655-8001

or email info@weaverinsagency.com

---

Certificates of Insurance | 24 Hour Access

Our office has a unique feature for our contractor book of business. When you become a customer with our agency, you have the availability of sending and printing certificates of insurance without calling the staff to do it for you.

Depending on your classification of work, we may approve and or limit the use of adding an AI at your discretion.

Our practice encourages you to provide us with contracts prior to signing so we may determine if your insurance program can accommodate the requests within the contract. Not all Additional Insured endorsements are created equally. Not all policy forms/coverages can meet contract requirements as well. Once we determine that your insurance plan can meet the contract requirements, we will then craft a Master Certificate for that AI only. Printing and sending via fax or email is then permitted through the program.

The goal is to have ease of use and access to your files 24/7 helping you manage your business without hangup from the insurance services.