The American Association of Insurance Services is filing three endorsements to allow insurers to exclude personal and umbrella liability coverage for injury or damage arising from dogs.
AAIS develops standardized policy forms and rating information used by more than 600 property/casualty insurers as the basis for policies they sell in one or more lines of insurance.
AAIS is filing an endorsement under its homeowners program that excludes coverage for bodily injury, property damage (BI/PD), and medical payments arising from direct physical contact with a canine or canines identified in the endorsement. The endorsement must be signed by the named insured to acknowledge the limitation on coverage under the policy.
In addition, AAIS is filing two canine exclusions under its Personal Umbrella Program (PUP), designed to correspond with the newly filed homeowners canine exclusion.
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