The Government explains which home insurance will be valid to cover the civil liability of the dog

September 27 , 2023 // Specialty : Liability of a condominium

Published in Animals Health

The general directorates of Insurance and Pension Funds and the Directorate of Animal Rights have published an informative note on civil liability insurance for dog owners included in Law 7/2023, of March 28, on the Protection of rights and the welfare of animals.

In the document they point out that, in the law, the obligation to contract and maintain in force civil liability insurance for natural or legal persons who own dogs is specified, established in article 30.3.

"Although, in pure legal terms, it is not effectively applicable until the regulatory development of said precept occurs, in accordance with its provisions," they point out.

Likewise, they highlight, "the provisions on this matter in the regional and local regulations that already establish, in some cases, the obligation to have civil liability insurance for dog ownership must be taken into account."

Therefore, they clarify, insurance will not be mandatory until the regulatory development of Law 7/2023, of March 28, occurs, unless, due to regional or local regulations or due to the activity or use where the dog may be involved. the opposite is determined.

To comply with the Law, “home insurance that includes civil liability for the insurance holder's pets will be valid.”

Likewise, they point out that, in the case of legal entities that are or may be owners of a group of dogs, mandatory insurance coverage for them may be included in civil liability insurance for the practice of their activity.

Finally, they point out that in the case of owners of potentially dangerous dogs, the specific regulations (Royal Decree 28/2002, of March 22, which develops Law 50/1999, of December 23, on the regime legal for the possession of potentially dangerous animals) requires that the minimum civil liability insurance coverage be at least 120,000 euros.