If you own a dog that has bitten someone, the most important thing to find out first is whether your homeowner’s policy covers what’s called, canine liability and that’s basic dog bite insurance. It would be covered through your homeowner’s policy. Even if you have a small dog, regardless of the size, you need to find out if you’re covered, because all dogs can potentially bite and since the law treats any dog bite or subsequent infection as coming from that dog bite, you may be potentially liable for that injury. The good news is that most basic homeowner’s policies do cover injuries resulting from dog bites. They may also if you don’t own a home be covered under your rental – renter’s policy, as well, so you need to check your renter’s policy to see if you have canine liability. Some policies do specifically omit coverage for dogs, so you need to carefully examine the policy or talk to your insurance agent.