Insurers Face Rising Canine-Chew Losses
Householders- and renters-liability carriers paid an estimated $1.57 billion in dog-related damage claims final yr, a rise of 41 p.c over 2023. The declare rely climbed to 22,658, whereas the typical value per declare jumped to $69,272—up 18 p.c year-over-year. For the 2023 declare numbers, See Company Checklists’ article of April 9, 2024, “Triple-I: Dog-Related Injury Claim Payouts Hit $1.12 Billion in 2023.”
Triple-I Highlight Report and Prevention Marketing campaign
The figures appeared within the Insurance coverage Info Institute’s “Spotlight on: Dog Bite Liability” paper, launched on April 15 with State Farm as a part of Nationwide Canine Chew Prevention Week (April 13-18, 2025).The Triple I’s outreach pressured coaching, supervision, and correct restraint to curb incidents.
Why the Findings Matter for Massachusetts Brokers
Even with out cracking the nationwide prime ten, Bay State households face the identical value pressures that dictate greater legal responsibility limits:
| Benchmark | 2024 Declare Rely | Common Price/Declare |
| California (#1) | 2,417 | $86,229 |
| New York | 994 | $110,488 highest |
| Georgia (#10) | 671 | $46,724 |
| U.S. common | — | $69,272 |
Motion objects for native producers
- Stress greater limits and umbrellas. A single extreme chew can eclipse a $100 okay sub-limit.
- Evaluation dog-ownership disclosures. Massachusetts imposes strict legal responsibility; nondisclosure can jeopardize protection.
- Spotlight prevention assets. Level purchasers to Triple-I security checklists and municipal leash or breed ordinances.
Proactive counseling on greater limits for canine exposures helps Massachusetts businesses shield purchasers—and their very own loss ratios—in a line the place declare severity reveals no signal of retreating.
