The first applies when the dog has no history of causing harm. In this case, the owner will only be liable for the actual amount of damage caused by the dog. Included in the amount an owner may owe to the victim are hospital bills, lost wages and money to compensate the victim for pain and suffering. It is worth noting that under the law, “owner” includes anyone who keeps or harbors a dog. This means that if you are caring for a dog long-term at your residence, you may be liable for damage caused by the dog if you are found to be “harboring or keeping” the dog.
The second category of liability creates enhanced penalties for an owner of a dog who has notice of the dog’s past bad behavior. To quote the statute, “the owner of a dog is liable for twice the full amount of damages caused by the dog biting a person with sufficient force to break the skin and cause permanent physical scarring or disfigurement if the owner was notified or knew that the dog had previously, without provocation, bitten a person with sufficient force to break the skin and cause permanent physical scarring or disfigurement.” Luckily, normal puppy bites and teething behavior do not rise to this level. Gasper v. Parbs, 2001 WI App 259, 249 Wis. 2d 106, 637 N.W.2d 399.
In light of the threat that a dog owner may be on the hook for the damage caused by a dog that attacks, what can be done? Aside from obedience training, the most important thing to do is to check your homeowner’s insurance policy. Many policies have language excluding certain dog breeds from liability coverage. A list of commonly excluded breeds may include any of following: Pit Bull, American Pit Bull, Rottweiler, Chow Chow, Doberman Pinscher, American Staffordshire Terrier, American Bulldog, Colorado Bulldog, Northwood’s Bulldog, English Bull Terrier, Wolf Hybrids, or a mixed breed with any of the aforementioned breeds. Although this list seems somewhat arbitrary, it is worth checking your policy to determine if you will be covered in the event that your dog bites someone.