Dog ownership comes with responsibility—and sometimes, risk. In Wisconsin, if your dog bites someone, you could be on the hook for more than just a vet bill or apology. At Preferred Insurance Agency, we’ve helped many La Crosse area clients navigate the fallout of dog bite incidents, and we want you to be prepared—not surprised.
Wisconsin Law: Strict Liability
Wisconsin is a strict liability state when it comes to dog bites. That means the owner is legally responsible the first time their dog bites or injures someone—even if the dog has no history of aggression. If it happens again and the dog has already been labeled as dangerous, the penalties—and the costs—can double.
There’s no “one free bite” rule in this state.
What Happens After a Dog Bite?
Here’s what typically goes down:
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Medical treatment: The injured person seeks medical care. Even minor bites can become infected or require stitches.
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Report to authorities: Most dog bites are reported to local animal control or public health departments.
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Insurance claim: If you’re the owner, the injured person may file a claim against your homeowners or renters insurance.
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Investigation and settlement: The insurance company investigates the claim. If it’s covered, they may offer a settlement for medical costs, lost wages, and pain and suffering.
Are You Covered?
Most homeowners or renters policies in Wisconsin do cover liability for dog bites, up to your policy’s liability limit. But not all dogs are treated equally. Some insurers exclude certain breeds or have conditions for coverage—especially if the dog has a history of biting.
Don’t assume you’re protected. Check your policy or talk to your agent.
What If You’re the One Bitten?
If someone else’s dog bites you or your child, you may be entitled to compensation. Start by seeking medical attention and reporting the incident. Then contact your insurance agent or a personal injury attorney to understand your options.
Tips to Prevent Dog Bite Trouble
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Always supervise dogs around guests or kids.
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Socialize and train your dog early.
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Use a leash in public—even if your dog is friendly.
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Post signs and secure your property if your dog is territorial.
Let’s Talk Before Something Happens
At Preferred Insurance Agency, we’re not just here for the “what now?” moments—we’re here to help you prevent problems and protect what matters. If you have a dog (or are thinking about getting one), now’s a great time to review your policy. We’ll help you understand your coverage and make sure there are no nasty surprises if things go sideways.
Give us a call or stop by our La Crosse office—we’re always happy to help.
Tony Rausa
Preferred Insurance Agency
401 King St.
La Crosse, WI 54601
Filed Under: Home Insurance | Tagged With: #breed, #dog, #dogbit, #lacrosse, Claims, Wisconsin