There has been some confusion as to which dog insurance will cover an assistance dog while out and about in public places. Pet Plan Insurance a commpany that will cover your needs while In-Training and then when fully approved under the Guide,Hearing and assistance dogs Act ’09, Qld. Government or the DDA Act’92.
Apply for the Dog, Classic Option 1. Approx. $900 per year (https://www.petplan.com.au/dog-and-puppy-insurance). Once you and the dog are fully certified under the GHAD Act. or DDA, ask them about their ‘Working Dog’ scheme.
Liability for damage caused by a Service / Assistance Dog.
The owner of an assistance dog is solely liable for any damage to persons, premises, or facilities including places of public accommodation, public conveyances or transportation services, common carrier of passengers, places of housing accommodations, and places of employment caused by that assistance dog.
An “Individual with a disability”, including but not limited to, the blind, visually impaired, deaf, hard of hearing, or otherwise disabled who uses an assistance dog shall keep the dog properly harnessed or Ieashed, and a person who is injured by the dog because of an “Individual with a disability”, including but not limited to, the blind, visually impaired, deaf, hard of hearing, or otherwise disabled failure to properly harness or leash the dog (unless the dog is performing a cued ‘task’) is entitled to maintain a cause of action for damages in a court of competent jurisdiction under the same laws applicable to other causes brought for the redress of injuries caused by animals.
Source: Assistance Dogs International (https://www.assistancedogsinternational.org/access-and-laws/model-law/)
If the Dog is injured in a fight or in any other manner during or after the term of the agreement, the Client assumes the risk and agrees that the Trainer will not be held responsible for any resulting injuries, losses, damages, costs or expenses.