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Do you have an insurance policy that will cover you in the event that someone is bitten by one of your venomous reptiles? [Including a homeowners policy.]
  Posted: Sep 07, 2002
  (419 votes, 11 comments)
by Charper
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Insurance
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As the owner and promoter of a venomous event I think that venomous keeprs and dealers should know how expensive it is to get insurance on such an event. Some people wonder why the rules are so strict about handling the snakes out of the containers. As far as I know there is only one company in the USA that will insure a venomous event. The insurance really comes from Lloyds of London. The insurance typically runs about $1,400 PER DAY. This is often more than the rent on the facility and only 5-8 percent of the vendors will have venomous for sale. The company will not pay any claims that are filed because a reptile was out of it's proper container. Why do venomous show owners have strict rules about containers? Because we have to. A bit could not only devastate us, but even worse it could hurt our industry and hobby in a bad way. Just imagine the headlines " Child bitten by cobra at animal show." We can't let it happen.
Posted by
Cantil
on January 16, 2003
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gotta have it
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In my city I must carry at least $50,000 liability insurance that covers envenomation of anyone by my pet before I can even get a permit to keep hots. Luckily, with much begging and pleading and a call to EVERY ins co in the yellow pages my current provider agreed to in clude hots in a $300,000 snakebite liability policy! It helps to ask if they can include it under a "dangerous dog" clause. That was my saving grace
Posted by
CrotralusOffRoad
on December 7, 2002
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insurance
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the state of GA says that native venomous snakes do not require insurance, but if you want non-native species, then post a $236.00 fee for the permit and you must also have $40,000.00 liability insurance. These rates are per animal, per year. The insurance is required even if your homeowners policy covers you.Also of intrest, GA does NOT reconize venomoids-they are still venomous-even with all the proper documentation.Side note: even if your homeowners covers someone getting bitten in your house, you can be sued even if the person that got bit was breaking in your house. Scary thought, huh?
Posted by
ZX11
on October 27, 2002
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snake
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i have a question about a snake i recently found in my yard. what kind was it. the snake was approx 5 inches long, mostly brown except for his head which was black. the black head may have went down his body about a half inch from his head. i thought it was a large worm at first but it was crawling away so fast i looked closer and discovered it was a snake. i also observed some type of patterns on the snakes back. thanks for any help given. sc
Posted by
culp
on September 26, 2002
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Nuisance captures...
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The Parish (equivilant to county in Louisiana) Government covers me for envenomations of myself, the sheriff deputies, and the resident(s) in the event of an envenomation of said persons during the process of a "Nuisance Animal Capture". Most nuisance snakes are non-hots, but there are PLENTY of cottonmouth and copperhead captures per year. So far (knock on wood) no one has been hurt on a nuisance call that I've been to.
Posted by
Hawkeman
on September 25, 2002
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I know my insurance covers alligator bites. I found that out earlier this summer.
Posted by
ian
on September 19, 2002
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I think any insurance company would fight a claim, shucks; it's hard enough to get them to pay normal claims. BRICK
Posted by
Brick
on September 18, 2002
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YEAH
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I smoke my venomous snakes
Posted by
ummvenom
on September 16, 2002
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Of course....
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Our city has ordinance banning venomous reptiles, and besides, I dont have the funds to go south and grab a couple rattlers :(
Posted by
looksharmless
on September 11, 2002
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Yes but,???
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If some one is bitten by one of my animals they are covered by my home owners policy. There is a stipulation though that exemps coverage is you are performing an ilegal act. The coverage would be waived if that person was bitten in my house because my city has an ordinance banning venomous reptiles.
Posted by
vettesherps
on September 7, 2002
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Of course....
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I think it should be obligatory, as happens with the cars....
Posted by
Jurliki
on September 7, 2002
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