New York defines a dangerous dog as any that without justification attacks a person or companion/farm/domestic animal and causes injury/death or acts threatening. (Credit: Jacky Co/Shutterstock.com)
Travelers NY recently made changes to homeowner and umbrella policies regarding liability exclusions for certain animals.
It seems to me this is a loophole around the dog breed legislation passed in New York that prohibits Insurance companies from refusing to write homeowner or umbrella insurance for persons who own certain breeds of dogs. With these two amendments to the contract language, the company doesn't have to refuse to write the insurance as the exclusions will take care of isolating the company from any liability claims that result from certain dogs. Would love your opinion on these endorsements.
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