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The keeper of an animal liability insurance protects the keeper of an animal in the context of the agreed upon covering sums against claims for damages third from it, which can develop due to its animal husbandry. Requirement basis against the keeper of an animal is above all "ยง 833 of the civil law book, who means that a keeper of an animal for damages, which its animal causes can be made liable.

The keeper of an animal liability insurance is particularly for owners of larger animals (e.g. Dogs or horses) of importance, since smaller domestic animals are with enclosed in the private liability insurance.

A dog owner liability is prescribed only in some cases after federal state law (national dog laws) and only for different in each case subranges of the dog population. Some insurers exclude dogs of certain races or raise for it increased contributions.

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