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The Animal Liability course is designed to familiarize adjusters and litigators with important aspects of common law and statutory liability for injuries caused by animals. The module is presented by attorney Daniel R. Simmons, from the firm Heyl Royster, Steve Heffelmire, Divisional Vice President of Claims at Great American Insurance Company, and Julie I. Fershtman, from the firm Zausmer, Kaufman, August, Caldwell & Tayler, P.C.

There has been a steady increase in litigation surrounding animal liability. The stark differences between liability under the common law and state statutes warrants a closer look when dealing with such claims. The Animal Liability course details the relevant laws surrounding dog-bite cases, fencing and farming law, and equine law.

After completing the course, the attendee will be able to explain or describe the common law notice requirement of viciousness or propensity for viciousness for owner liability in dog bite cases; general provisions of state statutes eliminating the “one-bite” rule where notice is no longer required; a dog owner’s three potential defenses under the statute of ownership, location, and provocation; the analysis necessary to rule out provocation; how fencing and farming law affects neighboring operations; the prevalent common law on adjoining adjacent property; the breadth of the legal standard of ordinary negligence; the importance of Equine Activity Liability Acts in offering immunity for inherently equine activities; the six exceptions to the EALAs; the requirements of sign-posting and specific contract language for the EALAs; and the five defenses to equine liability, along with a host of other helpful suggestions.

The course is designed for practitioners and insurance professionals working in the area of insurance coverage and litigation for animal liability.

What CE Credit is available?

Note: To qualify for credit, you must submit completion (including a passed final exam if required) within five days of completing the last quiz. No partial credits will be awarded.

State:
Adjuster General CE Hours:
Adjuster Ethics CE Hours:
Attorney General CLE Hours:
State's Course ID:
NH 2.0 466376
TX (classroom equivalent) 1.0 98858
NC 2.0 CO1122
FL * ( Provider Number: 364169 ) 3.0 1189235
IL 2.0 485499
WY 2.0 26209
OK 2.0 1027531

* This course has been approved by the Florida Department of Financial Services for insurance continuing education credit.

Course Content

Lesson Content

1) Introduction to the topic
2) Basis of Common Law Liability
a) Governs all 50 states
b) Covers any type of animal
3) Key to Common Law Liability
a) Viciousness
b) Owner on notice
c) Not limited to dog bites
4) One-bite Rule
a) Animal not otherwise dangerous
b) Owner not on notice
5) What establishes viciousness
a) Example
b) Actual viciousness
i) History of dog biting someone
ii) History of owner having such dogs
6) What establishes propensity for viciousness
a) Potentially dependent on breed
b) List of vicious breeds
c) No actual notice
7) Case examples
a) Example 1 (dog)
b) Example 2 (kitten)
c) Example 3 (horse)
d) Example 4 (horse)
e) Example 5 (dog)
8) Recap
9) Quiz – Reinforcing Part 1 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

Lesson Content

1) Eliminating the One-bite Rule
a) Inconsistency in its application
b) Introduction of state statutes
i) Strict liability
ii) Either only dogs or all animals
2) General Provisions
a) Owner liable regardless
b) Victim rightfully in that location
c) No provocation
3) Ownership
a) Defined
b) Examples
i) Professional Pet Sitter
ii) Neighbor’s kids
iii) Health-care aide
4) Lawful Right
a) Elements
i) Must be in location lawfully
ii) Can’t be a trespasser
b) What constitutes a trespasser?
c) Case Example
5) Recap
6) Quiz – Reinforcing Part 2 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

Lesson Content

1) Provocation
a) Analysis
i) What did the human do
ii) What did the dog do
b) Reasonable Dog Rule
c) Case-by-case basis
2) Fencing & Farming Law
a) Introduction
b) Open Range Law
i) Purpose of fences
ii) Potential liability
c) Statutory law
i) Defined
ii) Defenses
d) Common Law
i) Indiana law on Adjoining and Adjacent property
ii) Liability for adjoining property owners
3) Recap
4) Quiz – Reinforcing Part 3 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

Lesson Content

1) Introduction
2) Legal Standard of Ordinary Negligence
a) Defined
b) Open-ended
3) Equine Activity Liability Acts
a) Introduction
i) History
ii) Currently in 46 states
iii) How they generally work
b) EALA Exceptions
i) Faulty tack or equipment
ii) Dangerous land
iii) Mismatched horse and rider
iv) Gross negligence
v) Intentional wrong-doing
vi) Negligence
4) Recap
5) Quiz – Reinforcing Part 4 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

Lesson Content

1) Introduction
2) EALA Requirements
a) Sign-posting requirements
i) Equine professionals
ii) Equine organizations
b) Contract-language requirements
3) EALA Defenses
a) EALA as a defense
i) “inherent risk”
ii) What caused the injury
iii) What types of exceptions, if any, would apply
b) Liability Waivers
i) Reasons why they fail
(1) Laws that forbid them
(2) Faulty drafting
(3) Problem or defect in the way it was presented or signed
(a) Children
(b) Legal guardian
(c) Parents
(d) Intoxication
(e) Time to read
c) Assumption of Risk
i) Made aware of the risks
ii) Should have known
iii) Express assumption
d) Comparative Negligence
i) Reduced compensation
ii) May be based on level of negligence
e) Non-party fault
4) Recap
5) Quiz – Reinforcing Part 5 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

Submit within 5 days to get CE Credit or Certificate of Completion.