In Personal Injury

Dog attacks can cause serious injuries, both physical and emotional. In Ontario, the law holds dog owners responsible for any harm caused by their pets, including dog bites. If you or a loved one has been the victim of a dog attack, you may wonder where the funding for your medical expenses, pain and suffering and other damages will come from. This article will explore where legal compensation following a dog attack in Ontario comes from.


It’s important to note that in Ontario, there is a strict liability law when it comes to dog attacks. This means that the owner is automatically held responsible for any harm caused by their dog, regardless of whether they were negligent or not. This applies even if the dog has never shown aggression before and the owner had no reason to believe that the dog was dangerous.


As such, if you are injured in a dog attack, there are various options for recourse.



Homeowner’s Insurance


In most cases, the dog owner’s homeowner’s insurance policy will cover the costs associated with a dog attack. This type of insurance typically includes liability coverage, which can provide compensation for medical bills, lost wages, and other damages resulting from the attack. Homeowner’s insurance is mandatory in Ontario, so most dog owners have this type of coverage.


This would apply even if the dog attack occurred off the homeowner’s property.



Renter’s Insurance


If the dog owner is a tenant with Renters Insurance, this may apply in providing some coverage for personal liability, including damages. These policies may also cover damages for dog attacks off the property provided the tenant owned the dog.


Legal Action


If you are unable to recover sufficient compensation through homeowner’s insurance or other means, you may need to pursue legal action against the dog owner or other responsible parties.  This could involve filing a personal injury lawsuit to recover damages.


It’s essential to seek legal advice from a qualified personal injury lawyer if you are considering taking legal action. They can help you understand your legal rights and options for pursuing compensation and guide you through the legal process to ensure the best possible outcome for your case.







In Ontario, the law provides for strict liability when it comes to dog bites, meaning that dog owners are responsible for any harm caused by their dogs. Homeowner’s insurance is the most common source of funding for legal compensation following a dog attack, but other sources may be available, such as renter’s insurance.


If you or a loved one has been the victim of a dog attack in Ontario, don’t hesitate to reach out for a free consultation at

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