Insured is watching his mother's dog at his property while she is away. The mother does not live with the insured and is divorced from the father. Insured's father and a step-sister visit the insured. While leaving the insured's property the step-sister is bitten by the dog. Property is insured under AAIS Form FO3 policy. There are two different opinions as to who has liability. Does the son have sole liability for the bite incident, or does his mother share liability as owner of the dog?

Pennsylvania Subscriber

The FO-3 is a property policy, and contains no liability coverage. If the mom has a liability policy, for example the AAIS GL-2, Farm Personal Liability Coverage, then the bite is covered under that policy since the definition of insured includes " persons using or caring for watercraft or animals owned by an insured to which this insurance applies " .  We can't make a determination on liability, only coverage. There's no coverage on the FO-3 for the bite; if the mom has a personal liability policy there should be coverage there.