Who We Are:
Decades of Insurance Experience
Debbie Turner, president of Florida-based Dean Insurance Agency, developed the Canine Liability Insurance Policy (formerly known as Federation of Insured Dog Owners, aka F.I.D.O.) to provide dog owners with the peace of mind and protection they need in the event their dog injures someone or causes property damage. Founded in 1994, Dean Insurance is rated A+ by the Better Business Bureau (BBB) and licensed in all states except Alaska and Kentucky. Dean Insurance specializes in Canine Liability.
Inside Our Canine Liability Insurance Policy: 24/7 Protection
Our Canine Liability Insurance Policy offers protection for dog owners in the event their dog(s) injures a person or another animal. The policy provides coverage if your dog bites, scratches, scares, trips, knocks someone down, runs out in front of a car causing property damage, or injures another domestic animal on or off your premises anywhere in the U.S.
- Coverage is provided by
a top-tier, AM Best “A” rated insurance company - Policy limits available:
$25,000, $50,000, $100,000, $300,000 - Coverage applies while you’re away from home or traveling
- Additional insured can be included if required: for landlords or homeowners who rent out to tenants with a dog
- Pays for medical fees if someone is injured, legal fees, and settlements up to policy limits
- No policy deductible
- Covers all breeds
- Competitive prices
- Coverage is available throughout the country except in Alaska and Kentucky
- Payment options available
How It All Began:
Canine Liability
Insurance Unleashed
Debbie’s champion for man’s best friend began as a child when she witnessed an act of animal abuse yet was powerless to do anything about it. Fast forward years later, Debbie parlayed her unconditional love of dogs, a deep understanding of their behavior, and a strong background in insurance to replace coverage that is being removed or restricted from homeowners and renters policies with Canine Liability Insurance.
A Smarter Underwriting Approach to Insuring
Dog Breeds
While doing research for a paper for the prestigious Society of Chartered Property and Casualty Underwriters (aka CPCU), Debbie realized the gross misunderstanding by the insurance industry as to which dogs to insure for dog bite liability. The industry looks at the breed and often erroneously labels a dog as dangerous. It doesn’t understand that it’s not the dog owner or the breed, but the situation in which the dog finds itself.
Debbie developed an insurance rating and underwriting system that incorporates identifiable factors as to the likelihood a dog will bite regardless of the breed. The question Debbie is most often asked is if she will insure one of the so-called “dangerous breeds,” and the answer is yes! The Canine Liability Insurance Policy is designed for any and ALL breeds of dogs.
