Pets, Owners, Responsibility
Pet Liability insurance
Although we love them, animals or pets can sometimes cause damage to third parties. When this happens you, as the owner, are legally responsible i.e. liable and are obliged to cover the costs for damage
Although smaller animals such as cats and guinea pigs may be covered in your personal liability insurance plan, larger animals such as dogs and horses are not.
In some regions of Germany dog liability insurance is in fact mandatory (Berlin, Niedersachsen, Hamburg, Schleswig-Holstein, Thuringia, Sachsen-Anhalt). Only Mecklenburg-Vorpommern has no requirements for dogs.
Even if you have scooped up a dog from the streets and unofficially adopted it and you are not the official owner in legal terms you have a so-called ‘duty of care’. This means you are held responsible if something happens.
