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Pit bulls get bad press, to the chagrin of their owners. If their pets attack someone, they are likely to personally pay damages because almost all insurers refuse to cover this dog breed, says the Insurance Bureau of Canada (IBC).

And unfortunately the victims might not be compensated for their injuries if the dog’s master is penniless.

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According to IBC, breeds regarded as most problematic by insurers are pit bulls and Rottweilers.

“These are the two most banned breeds,” but there may be exceptions for a particular insurance client, says Caroline Phémius, head of media relations at IBC.

In addition, each insurer decides whether or not to cover the risk.

In short, he may refuse coverage to a client who has such a dog, accept but refuse to insure for liability damages caused by the animal, or accept a higher premium, given the risk related to the animal in question. The latter option is rarely seen in the case of dogs, said the IBC.