Dangerous-Dog Owners in Florida Must Now Get $100,000 in Liability Insurance

May 23, 2025

Owners of dangerous dogs in Florida will soon have to secure at least $100,000 in liability insurance coverage after the governor signed House Bill 593 into law this week.

Also known as the Pam Rock Act after a mail carrier who was mauled to death in 2022, the law mandates that owners of dogs that have bitten humans or killed or injured pets to obtain liability coverage. They also must keep the animals in an enclosure, with warning signs, must microchip and neuter the dogs, and must maintain rabies vaccination certificates, the bill reads.

Animal shelters must provide information about the dogs’ history to prospective adopters. Animal control authorities also are authorized to euthanize dangerous dogs that have been surrendered.

The law, which takes effect July 1, also slightly raises the level of violation, to a first-degree misdemeanor, when an owner disregards a dog’s dangerous propensities, an legislative staff analysis of the bill notes.

Florida has had a dangerous-dogs law on the books since 1990, but lawmakers this year said the statutes needed strengthening after a growing number of attacks around the state.

More than 600 Floridians are hospitalized because of injuries from dog bites, and about two people die from them each year, the state Department of Health has reported, according to the bill analysis. In August 2022, a postal worker was delivering mail when she was attacked by five dogs in Putnam County. She died the next day. An 86-year-old had to have her leg amputated after being attacked by a neighbor’s dog in early 2023 in Hawthorne, Florida. In January 2025, an eight-year-old boy was attacked and killed by two dogs, the analysis explained.

Topics Florida Liability

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Latest Comments

  • June 20, 2025 at 1:39 pm
    Laurie says:
    I have a pit who loves to dig and get out under the fence. He runs around the neighborhood until someone calls and says, hey your dog is out. Unfortunately, I work at night an... read more
  • June 16, 2025 at 4:26 pm
    Jake says:
    Prime Insurance Company is an E&S insurance carrier that will provide liability insurance coverage for these "dangerous" dogs.
  • June 2, 2025 at 10:32 am
    Debbie says:
    Only dogs that have been declared dangerous come under the law. You are wrong about no one writing dangerous dogs, there are at least 3 canine liability programs available.

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