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Maryland Addresses Breed-Specific Liability Underwriting for Dogs

Sept. 29, 2015 AAIS Advisory notice

A recent bulletin form the Maryland Insurance Administration seeks to clarify underwriting requirements for excluding certain breeds of dog from liability coverage under homeowners or renter's policies.

The bulletin says that such exclusions are permissible provided that the insures complies with statutory guidelines requiring that underwriting decisions be based on a reasonable application of underwriting principles that demonstrate a direct and substantial effect on losses or expenses.

According to the bulletin, the burden is on insurers to show that a refusal to underwrite canine liability coverage is justified under the relevant underwriting standards.


AAIS Advisory notices are posted periodically to announce AAIS product developments, and to provide news items that are relevant to our program users. Advisory notices are news summaries that paraphrase documents which should be consulted directly for complete, authoritative information.

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