Working Dog Liability Insurance (WDLI)
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Working Dog Liability Insurance (WDLI) Offered by Bear Lake Insurance Company (owned by ASI) Sold exclusively to the ASI members by Food & Fiber Risk Managers (also owned by ASI) Working Dog Liability Insurance WDLI Background of Program Development Process Working Dog Liability Policy Why You Should Buy WDLI What Dogs Qualify Who Should Buy WDLI How Much Does WDLI Cost Loss Prevention How Are Claims Paid How Do I buy WDLI WDLI - Background of Program • Sheep Industry Leaders asked SVC and FFRM Board members what gaps they had in their risk management tool box. – Guard Dog Liability Insurance was most frequent answer • FFRM Board asked CUIC Board to explore possibility of developing a Guard dog liability policy • CUIC with help from Colorado Wool Growers Assn and ASI surveyed members for historical data to make actuarially sound product development decisions WDLI - Development Process • FFRM Board asked CUIC Board to develop • CUIC Board approved development costs assuming a NSIIC Grant could be approved to offset some of the development costs • NSIIC Grant was awarded • CUIC approved formation of new Captive Insurance Co for Proper Authority in all States • Bear Lake Insurance Company (BLIC) was formed and approved by Utah Dept. of Insurance (UDOI) • WDLI rates and forms were developed and approved by Independent Actuary and UDOI WHY IS WDLI NEEDED FOR LIVESTOCK PRODUCERS • Typical farm & ranch or home owners insurance coverage does not cover dog bite. (Check your policy) • The historic “first bite is free” is no longer valid in most states • Well qualified claim defense is critical to settling or discharging the claim and reducing your liability • Dog bite liability insurance is currently available in the market, but it usually excludes large or working dogs • Liability claims for dog bites is increasing every year • Average loss is $25 -$30,000, about $500,000,000 in claims paid per year WDLI - What You Are Buying • Liability Coverage on ALL your working dogs – Guardian or Livestock Protection Dogs – Herding Dogs • $50,000 per incident coverage • $100,000 annual aggregate limit • Low deductible (equal to first dog premium) • Claims defense (policy has “right and duty to defend”) • Comprehensive Loss Prevention Plan • Industry supported and owned Program TYPE OF CLAIMS • WDLI WILL PAY –Liability Claims • Dog bites • Property loss or damage caused by working dog • Trip and fall injuries caused by the dogs • WDLI WILL NOT PAY – Mortality loss of insured dogs – Medical care of insured dogs Why Should You Buy WDLI • Industry explicit coverage for working guardian and herding dogs - will not exclude your large working dogs • Premium pricing discounts multiple dogs • Underwriting specific to working guardian and herding dogs for livestock producers • Knowledgeable claims defense • Industry targeted loss prevention program • Coverage available wherever livestock are produced • Sheep Industry owned companies selling and servicing your policy WDLI What LPD Dogs Qualify • Akbash (Akbas) • Greek Sheepdog • Mioritic Sheepdog • Anatolian Shepherd • Karakachan • Rafeiro do Alentejo • Armenian Gampr • (Bulgarian Shepherd (Portuguese Watch Dog) • Bukovina Shepherd Dog) • Sage Koochee • Cao de Castro Laboreiro • Kars Dog • Sarplaninac (Illyrian (Portuguese Cattle Dog) • Karst Shepherd (Kraski Sheepdog) • Cao de Gado Ovcar) • Slovak Cuvac Transmontano • Kuvasz • South Russian Ovcharka • Carpathian Shepherd • Komodor • Spanish Mastiff (Mastin • Central Asian Ovcharka • Polish Tatra Sheepdog Espanol) • Central Asian Shepherd (Polski Owczarek • Tibetan Mastiff • Estrela Mountain Dog Podhalanski) • Tornjak (Hrvatski Ovcar) • • Great Pyrenees Pyrenean Mastiff • Turkish Kangal (Kangal (Pyrenean Mountain (Mastin de los Pirineos) Copegi) Dog) • Maremma WDLI What Herding Dogs Qualify • Australian Kelpie (Kelpie or Barb) • Australian Queensland Heeler (Red/Blue Queensland Heeler, Australian Cattle Dog) • Australian Shepherd (Aussie) • Belgian Tehurven (Chien de Berger Belge) • Black Mouthed Cur • Border Collie • Catahoula Leopard Dog (Catahoula Cur, Catahoula Hog Dog) • McNab • Pembroke Welsh Corgi (Pembroke, Corgi) • Old English Sheepdog WHO SHOULD BUY WDLI • ANY LIVESTOCK PRODUCER WHO HAS WORKING DOGS AS PART OF THEIR TEAM - GUARDIAN OR HERDING DOGS WDLI - How much does it cost • Application Underwriting will determine premiums • Higher risk operations have higher premiums • First dog is full premium • Second, third and forth dogs all have increased discounts • Dogs 4 and over have same rate • Guardian dogs or LPDs are separate from Herding dogs (TWO separate applications) • IT DEPENDS WDLI - How much does it cost ? It Depends! On What? HIGH RISK LOW RISK Wrong breeds Proper Breeds Over worked dogs Healthy dogs Herders without training Proper training Dogs searching for food Well fed dogs Wandering Dogs Dogs near livestock Unapproachable Dogs Dogs people can handle Unidentified Dogs Identified Dogs WDLI - Loss Prevention Ch. 1 Introduction Ch. 2 Breeds and Importance of Breed Selection Ch. 3 General Health Ch. 4 Feeding and Nutrition Ch. 5 Socialization and Handling LGDs Ch. 6 Identification Ch. 7 The LGD and Herder/Shepherd Relationship Ch. 8 Running Adequate Number of LGDs Ch. 9 Contact with Public Ch. 10 Signage WDLI - How Are Claims Paid • Policy holder calls agent (FFRM) • Claims agent follows up with policyholder and claimant • If claim is valid it will be paid immediately • If claim is not valid, legal counsel will be engaged • WE WILL DEFEND YOUR CLAIM AND YOUR DOG WHO CAN BUY WDLI ?? WDLI - How Do I Buy • CALL FFRM FOR DETAILS • GO ON LINE FOR APPLICATION • COMPLETE APPLICATION SEND TO FFRM FOR FINAL QUOTE Will you be a Lead dog or follow dog? Buy WDLI Today Dog Insurance facts The Statistics about Dog Bites Close to 5 million people are bitten by dogs annually The average claim cost is $24,840 Approximately 20% of all bites become infected Any and EVERY breed will bite Each year, an American has a one in 50 chance of being bitten by a dog. Dog bites occur every 75 seconds in the United States. Each day, over 1,000 citizens need emergency medical care to treat these injuries. •According to the American Society for Reconstructive Microsurgery, there were 27,752 reconstructive procedures performed to repair injuries from dog bites. •According to the Insurance Information Institute and State Farm, dog bites accounted for over 1/3 of all insurance liability claim dollars paid out in 2012. ..