With only two risks revealing any hint of animal cruelty, America's love of animals was a common theme among the descriptions of unique risks we received.
“A lot of these are pet-related,” said Mr. McDermid, describing liability coverage for pet-sitters and pet health insurance, which has developed into a niche for Scottsdale.
“It's a huge area,” he said, noting that the program, with few competitors, “has really taken off” in recent years.
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