Your dog breaks free from the leash and bites a pedestrian…
...Your horse runs onto the street and causes a traffic accident – with Pet Owner Liability Insurance, you’re protected against such claims of damage.
Since animals may not be made liable for damages caused, their owner is held liableto carry the financial burden.
Dogs or horses are not – in comparison to cats – covered under Private Liability Insurance. For damages which these particular animals cause, only Pet Owner Liability Insurance can provide the necessary protection.
Nonetheless, according to § 833 of the German Civil Code, every pet owner in Germany is held liableup to an indefinite amount for damages caused by his dog or horse, regardless of the question of guilt.
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