Insurance in Dog Law – Digging Through Claims


CLE credits earned: 2 General Credits (WA 2 Law and Legal (pending))

This course addresses various types of animal insurance, including pet health/veterinary insurance, homeowners’ insurance, organizational insurance, and other insurance pools, addressing liability, litigation and coverage trends. It will also address companion animal cases involving (and excluding) insurance coverage, including dog bites, businesses accidents, veterinary malpractice, and others in the civil courts, along with the treatment of claims, subrogation, and denials from the perspective of both the insured and the insurer.

Key topics to be discussed:

Deborah Turner-
•   Pet Veterinary/Health Insurance
•   Liability Insurance (i.e., dog bites & damages)
•   Perspectives from Insurance Professional re Court treatment of dog cases

Anna Morrison-Ricordati-
•   Insurance In Animal Law
•   Animal Cases Involving Insurance
•   Animal Cases W/o Insurance
•   Settlements (and Other Resolution)
•   Perspective from defending Attorneys of Court tendency to push settlement despite non-liability

Date / Time: May 4, 2021

•   12:00 pm – 2:10 pm Eastern
•   11:00 am – 1:10 pm Central
•   10:00 am – 12:10 pm Mountain
•   9:00 am – 11:10 am Pacific

Choose a format:

•   Live Video Broadcast/Re-Broadcast: Watch Program “live” in real-time, must sign-in and watch program on date and time set above. May ask questions during presentation via chat box. Qualifies for “live” CLE credit.
•   On-Demand Video: Access CLE 24/7 via on-demand library and watch program anytime. Qualifies for self-study CLE credit. On-demand versions are made available 5 business days after the original recording date and are view-able for up to one year.

Select your state to see if this class is approved for CLE credit.

Choose the format you want.


Original Broadcast Date: May 4, 2021

Deborah J. Turner | Dean Insurance Agency, Inc.

Deborah, President of Dean Insurance Agency, Inc. opened in Central Florida in 1994. Deborah graduated in 1980 from Florida State University Insurance and Risk Management program. She continued her education by receiving the prestigious Chartered Property and Casualty Underwriter in 1986. Some of Deborah’s notable achievements include National Standard Setter though the CPCU Society, 1st woman Rotary District Governor and Rotarian of the year.
Deborah’s interest in all things dog were peaked when she adopted a personally challenged Schnauzer named Jazz. In an effort to “fix” she began to look at how health, diet, training, lifestyle and breed might increase the possibility of a dog injuring a human or another animal. In 2005 Deborah realized that the insurance industry does not understand how to underwrite the Canine Liability Exposure. She originally began a research paper for the CPCU Society when another industry professional mentioned that people need the coverage, in 2012 the program was launched and continues today.
Deborah was appointed and chaired the Orange County Advisory Board determining classification of Dangerous Dogs and is Past Chairman Orange County Advisory Board of Animal Services. During significant changes were made that have become national models. She has been interviewed by multiple Podcast shows, written chapters pertaining Canine Liability in several books most recently Dogster’s June/July magazine interviewed her.

Anna Morrison-Ricordati | AMR Law Group, LLC

Anna Morrison-Ricordati practices animal law and civil litigation at AMR Law Group, LLC in Chicago, Illinois. Addressing all aspects of dispute resolution, Anna has represented individual and animal business clients in mediations, arbitrations, jury and bench trials, equitable remedies, and appeals. She Chaired the Illinois State Bar Association’s Animal Law Section Council for the 2010-2011 year, the Chicago Bar Association’s Animal Law Committee for the 2012-2013 year, DuPage County Animal Law Committee for the 2014-2015 year, and was awarded the Animal Welfare Leadership Award in 2018 from PAWS® Chicago. Anna has served as a CLE speaker on animal law topics for several organizations and bar associations, including the American Bar Association’s Tort, Trial & Insurance Practice Section in 2018 and the International Animal Law Summit in 2019, among others in 2020.

Accreditation Policy
myLawCLE seeks accreditation for all programs in all states except, ME, VA, and WV. Each attending attorney/paralegal will receive a certificate of completion following the close of the CLE program as proof of attendance. In required states, myLawCLE records attorney/paralegals attendance, in all other states attorney/paralegal is provided with the approved CLE certificate to submit to their state bar or governing association.

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    Live Video Broadcasts

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    “Live” Re-Broadcasts

“Live” Re-broadcasts are replays of previously recorded CLE programs, set on a specific date and time and where the original presenting speakers calls in live at the end of the event to answer questions. This “live” element allows for “live” Re-broadcast CLEs to qualify for “Live” CLE credits in most states. [The following states DO NOT allow for “live” CLE credits on re-broadcast CLEs: NV, OH, MS, IN, UT, PA, GA, and LA]

Many states allow for credit to be granted on a 1:1 reciprocal basis for courses approved in another mandatory CLE jurisdiction state. This is known as a reciprocity provision and includes the following states: AK, AR, HI, CT, FL, ME, MO, MT, ND, NH, NM, NJ, and NY. myLawCLE does not seek direct accreditation of live webinars or teleconferences in these states.

Animal Insurance (Insurance Professional – Deborah J. Turner)
• Pet Veterinary/Health Insurance 12:00-12:20
— History
— Types (Accident, Wellness, Membership)
— Typical Policy Coverage (Genetic Conditions, Lifetime Max, Pre-Existing Conditions)
— Typical Policy Payment (Indemnity)
–Other – Unusual Policies
• Liability Insurance (i.e., dog bites & damages) 12:20-12:40
— History – Four Agencies
— Varied Coverage/Unique Underwriting
— Typical Clients
— Individual, Business, Rescues
— Typical Required
— Landlords, Cities – Dangerous Dog
— Trends – Breed Exclusion
• Other (i.e., perspectives from Insurance Professional re Court treatment of dog cases, etc.) 12:40-1:00
• Break 1:00-1:10

Typical Cases Involving Insurance (Attorney Perspective – Anna Morrison-Ricordati)
• Insurance In Animal Law 1:10-1:22
— Coverage Types (Health/Veterinary and Other Liability)
• Animal Cases Involving Insurance1:22-1:34
— Veterinary Mistakes – Malpractice Insurance
— Dog Bite to Person– Homeowners Insurance
— Dog Walker/Vehicle Injury – Auto Insurance
— Dog Boarding/Kenneling – Business Insurance
— Police Shootings/Civil Rights – Insurance Pool
• Animal Cases W/o Insurance1:34-1:46
— Intentional Tort Cases (Civil)
— Abuse/Torture/Other Intentional Act
— Ordinance Violations (Quasi-Criminal)
• Settlements (and Other Resolution) 1:46-1:58
— Trends for Veterinary/Health (no subrogation cases yet)
— Rescues (court overreach – liability post-adoption)
— Homeowners (breed exclusions, policy limits on injured animals)
— Businesses (policy limits and contributions from individual business owners)
— Malpractice (requests for NDA and confidentiality of amounts)
— Police Shootings (requests for NDA and confidentiality)
• Other (i.e., perspective from defending Attorneys of Court tendency to push settlementdespite non-liability, etc.) 1:58-2:10