Animal Owners Liability Insurance in Iran
For keepers of guard dogs and pets, herders and livestock farmers, and licensed breeding centers and shelters.
Persian twin page (authoritative): /liability/public/animal-owners
Short answer
Animal owners liability insurance in Iran compensates third parties for bodily injury and property damage caused by kept animals, from dog bites to livestock damaging crops and vehicles, including diyeh and legal defense costs, up to the policy limit; under Iranian law the keeper answers for damage caused by the animal under his or her custody.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Keepers of guard dogs and domestic animals
- Herders and livestock farmers liable for damage caused by their animals
- Licensed breeding centers and animal shelters
- Poultry breeders and small livestock farms
- Stables and horse keeping centers
What is covered?
| Coverage | Description |
|---|---|
| Bites and bodily injury | Compensation of diyeh and medical costs of persons bitten or injured by the insured animal, on the diyeh schedule of the incident year. |
| Third-party property damage | Compensation of damage to others' property such as vehicles, crops and the neighbor's wall caused by the insured animal. |
| Legal defense costs | Attorney fees and court costs in lawsuits brought against the keeper of the animal, even in dismissed claims. |
| Escape of the animal | Cover of damage occurring through the escape or release of the animal from the keeping place, where keeping conditions were observed. |
| Sudden reactions of the animal | Compensation of damage from the animal's sudden reaction toward passers-by, subject to lawful and restrained keeping. |
What is not covered? (Exclusions)
- Damage to the owner, family and staff of the keeper
- Keeping protected species without a permit of the Department of Environment
- The animal's acts under the keeper's deliberate provocation
- Damage from transmission of infectious diseases, under the general conditions
- Claims from commercial activities such as competitions not scheduled in the policy
- Damage after the sale or transfer of the animal to another person
Issuance conditions
- Lawful keeping of the animal under health and urban regulations
- Observance of restraint and protection at the keeping place
- Immediate notification of the event within the policy deadline
Required documents
- National ID and identity documents of the keeper
- Livestock identity document or ownership papers and the vaccination card
- Health and municipal permits of the keeping place, where required
- Latest liability policy, for claims history
- Event documents after the incident
How to buy — step by step
Quotation and animal details
Submit the quote request; the animal type, number and purpose of keeping are declared, and a limit is proposed.
Documents and official proforma
After the ownership and vaccination documents are received, an official proforma invoice is issued on the approved Bimeh Iran rates.
Premium payment
Pay through the banking gateway or a bank receipt; cover starts the moment issuance is confirmed.
Policy delivery
The printed and electronic policy with its general conditions is delivered within one working day.
How to claim — step by step
Immediate notification
Report the event to the agency as soon as you become aware of it, within the notification deadline set by the policy.
Claim form
Complete and sign the claim form describing the event, the animal involved and the damage caused.
Case documents
Submit the vaccination card, the keeping permits, photographs of the site and the injured person's medical documents.
Assessment of keeping conditions
The adjuster examines the restraint and keeping conditions and establishes the keeper's responsibility.
Agreement and payment
Once liability and the amount are established, compensation is paid subject to the policy deductible.
Claim notification deadlines and assessment details follow the policy general conditions and the Iranian Insurance Act (Article 30 practice: notification within five working days).
FAQs — Animal Owners Liability Insurance
Legal sources
Islamic Penal Code — Diyat chapter — Book Five, Articles 449 onwards — damage caused by animals
Civil Code of Iran — Articles 328 to 335 — guaranty of animals in one's custody
Civil Liability Act of Iran (1960) — Articles 1 to 11, including the keeper's strict liability
Iranian statutes are authoritative in Persian; English titles above are orientation references.
Reviewed by the Iran Liability Insurance content team
Reviewed by the licensed team of Agency No. 20616 of Bimeh Iran, specialized exclusively in liability insurance.
Legal review: licensed team of Agency No. 20616, Bimeh Iran — Last reviewed: 24 October 2026
Get Animal Owners Liability Insurance through the official Bimeh Iran agency
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English. The quotation is issued on current Bimeh Iran tariffs after the limit of liability is agreed.