Ohio Requirements for Liability Insurance for Owning a Pit Bull Dog

The pit bull breed of dog has a great deal of strength, intelligence and loyalty to its owner. Unfortunately, because the breed is associated with criminal and cruel individuals who train the dog to fight other dogs, they have gotten a reputation as a vicious animal. Pit bulls raised in an abusive environment can become vicious and have caused some states to regulate the ownership of these animals. Ohio requires pit bull owners to have liability insurance to cover the cost of damages in the event the animal attacks another animal or person.

  1. Ohio Definition for Pit Bulls

    • The Ohio law applies to American pit bull terriers, Staffordshire bull terriers and American Staffordshire terriers. The pit bull classification also applies to mixed breed dogs that have the physical appearance of a pit bull. Owners of dogs that are defined as pit bulls must follow the regulations and requirements.

    Liability Insurance Requirements

    • Anyone living in Ohio who wishes to own a pit bull must purchase liability insurance that covers damages caused by the dog. The state requires a minimum of $100,000 liability coverage on those who own a pit bull, keep pit bulls in their property or harbor a pit bull in the state. The liability insurance covers bodily injury, property damage and death of anyone attacked by the dog. Failure to obtain insurance will result in penalties.

    Penalties

    • Pit bull owners in Ohio who do not have the appropriate liability insurance can be fined and in some circumstances the state can remove the dog from the household. The authorities will hold the pit bull until the owner shows proof of insurance. Pit bull owners who are guilty of not having the required insurance on the animal are subject to a $1,000 fine and up to six months in prison for a first offense. Subsequent offenses of the liability insurance law for pit bulls can be filed as felony charges.