Insurer cancels H.O. Policy because of Police Dog [Archive] - Glock Talk

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wrenrj1
10-24-2012, 18:56
Not being LEO, thought this was important to post. How an insurance company can apply vicious dog policies to K9 PD dogs is beyond me. Hope other insurance companies don't follow suit. You may want to let your voice be known.

http://www.omaha.com/article/20121024/NEWS/710249937/1685#insurer-cancels-deputy-s-homeowner-policy-police-dog-at-home-deemed-too-risky

x_out86
10-24-2012, 19:37
Wow...I am thinking that American Family is going to see a lot of bad press from this. For once if you read the comments on the story people actually support the officer and are talking about cancelling any policies with AmFam.

blueiron
10-24-2012, 19:39
They can. It may not be 'fair', but it is within the insurer's right to do so. Working dogs have gotten loose in my area and bitten citizens on occasion.

The city/county/State/Federal government should indemnify the employee for any injurious acts or liability incurred by the dog.

Hack
10-24-2012, 20:08
If a person owns the dog as a private citizen I can see where an insurance company may go by statistical analysis of claims concerning incidents.

As far as working dogs go I agree with blueiron.

Happypuppy
10-24-2012, 21:08
Insurance companies treat dogs differently based on breed. Shop around , there are some that don't care what dog you own. When I retired I worked for an large insurance company for a bit and learned how different they can be as far as policy restrictions.


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merlynusn
10-25-2012, 04:30
Just get every cop you know who has American Family to cancel their policy and explain why. I'm sure that'll get their attention.

ZO6Vettever
10-25-2012, 13:48
That's just plain wrong! Don't they realize the training these K-9 officers go thru???

wrenrj1
10-25-2012, 18:29
Follow up article today, time to back track:


http://www.1011now.com/news/headlines/Insurance-Company-Apologizes-for-Rift-with--175866261.html

wrenrj1
10-25-2012, 18:32
Insurance companies treat dogs differently based on breed. Shop around , there are some that don't care what dog you own. When I retired I worked for an large insurance company for a bit and learned how different they can be as far as policy restrictions.


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While I agree that some breeds are more volatile than others, here you have a county that insures the person/dog against this thus not holding the H.O.'s insurance company responsible.

x_out86
10-25-2012, 19:21
Follow up article today, time to back track:


http://www.1011now.com/news/headlines/Insurance-Company-Apologizes-for-Rift-with--175866261.html
Uh oh...bad publicity? Time to start kissing some ass quick.

wrenrj1
10-26-2012, 18:50
Another more in depth article. They finally decided they stepped on their wieners...
http://journalstar.com/news/national/insurance-co-apologizes-for-rift-with-neb-deputy/article_c7f320f6-4fb7-50cf-859c-1f5da135f977.html

And by the way, just wanna say thanks for those K9 handlers both PD and military that live and serve with their partners. 24/7 is more to you all when you have to take your partner out to do business, go to the Vet. etc. and how they become part of your family. Again, thanks and stay safe.

kirgi08
10-26-2012, 20:24
:wow:

Hack
10-26-2012, 21:53
Interesting. It still makes me glad I don't have a policy through them.

JuneyBooney
10-27-2012, 01:16
Not being LEO, thought this was important to post. How an insurance company can apply vicious dog policies to K9 PD dogs is beyond me. Hope other insurance companies don't follow suit. You may want to let your voice be known.

http://www.omaha.com/article/20121024/NEWS/710249937/1685#insurer-cancels-deputy-s-homeowner-policy-police-dog-at-home-deemed-too-risky

He will have to get the county attorney's office to fight for him. That is pretty crappy if you ask me. That shows that big business is mean to everyone. :shocked:

merlynusn
10-27-2012, 08:06
You notice the insurance company is "looking at changing its policies." It also didn't say that they would reinstate the Deputy's policy and make amends.

ETA: They are obviously only doing this until the media storm blows over. Then it'll be back to business as usual.

wrenrj1
10-27-2012, 18:18
You notice the insurance company is "looking at changing its policies." It also didn't say that they would reinstate the Deputy's policy and make amends.

ETA: They are obviously only doing this until the media storm blows over. Then it'll be back to business as usual.

Good point, I believe he already got a new policy with another company. Still this is something to be aware of in the LEO community. What will they look at next that's job related to LEO's or other fields?