Eau Claire Dog Bite Lawyer
Eau Claire Dog Bite Lawyer
On This Page
- Eau Claire and Eau Claire County Dog Bite Statistics
- Wisconsin Dog Bite Law: Strict Liability + Double Damages
- Eau Claire City Ordinance on Dogs and Animals
- Eau Claire County Animal Control and the Humane Association
- What To Do After an Eau Claire Dog Bite
- Eau Claire Hospitals and Urgent Care for Dog Bites
- How To Report a Dog Bite in Eau Claire
- Eau Claire Area Law Enforcement and Emergency Contacts
- Filing a Dog Bite Claim in Eau Claire County
- Compensation for Eau Claire Dog Bite Victims
- Comparative Negligence in Wisconsin Dog Bite Cases
- Statute of Limitations for Eau Claire Dog Bite Cases
- Homeowner and Renter Insurance for Eau Claire Dog Bites
- Why Choose Dog Bite Laws for Your Eau Claire Case
- Frequently Asked Questions
- Strict Liability: Wis. Stat. 174.02(1)(a) makes Eau Claire dog owners liable for the full amount of damages, with no negligence and no prior-bite proof required.
- Double Damages: Wis. Stat. 174.02(1)(b) doubles damages when the bite broke the skin and caused permanent scarring or disfigurement, and the owner was notified or knew that the dog had previously, without provocation, bitten a person hard enough to break the skin and cause permanent scarring or disfigurement.
- Three Year Deadline: Under Wis. Stat. 893.54, most Eau Claire dog bite lawsuits must be filed within three years of the date of the bite.
- Minor Toll: Wis. Stat. 893.16 tolls the SOL for children, so a young Eau Claire victim generally has until their 20th birthday to file, whichever is later.
- Eau Claire Ordinance: The Eau Claire Code of Ordinances (Title 6, Animals) requires licensing, rabies vaccination, an eight foot leash off the owner's property, and a 10-day quarantine for any dog that bites a person.
- Eau Claire County Court: Civil dog bite cases from Eau Claire are heard in the Eau Claire County Circuit Court.
- Comparative Fault: Wis. Stat. 895.045 uses a 51 percent bar, so an Eau Claire plaintiff who is 50 percent or less at fault still recovers, with the award reduced by that share.
- Insurance: Most Eau Claire dog bite claims are paid by the owner's homeowner or renter policy, which for UW-Eau Claire tenants usually means an HO-4 policy.
Every year, Wisconsin hospitals treat thousands of dog bite injuries, and Eau Claire, the seventh largest city in the state at roughly 69,000 residents, sees its share along the Chippewa River, in Carson Park, on the UW-Eau Claire footbridges, and at the Otter Creek and Sundet off-leash dog parks. When one of those encounters ends with torn skin, a deep puncture, or a child in the emergency department, Wisconsin law gives the victim two of the most powerful recovery tools in the country: statutory strict liability and, in the right case, double damages.
Wisconsin Statute 174.02 makes the owner of the dog liable for the full amount of damages the dog causes, without any requirement that the victim prove negligence or a prior bite. Under Wis. Stat. 174.02(1)(b), if the bite broke the skin and caused permanent scarring or disfigurement and the owner was notified or knew that the dog had previously, without provocation, bitten a person hard enough to do the same, the damages can be doubled. That single provision often decides whether an Eau Claire claim settles for medical bills only or for the true value of the injury.
Dog Bite Laws focuses exclusively on dog attack cases nationwide. On this page you will find the Eau Claire specific ordinances, hospitals, animal control contacts, and Eau Claire County Circuit Court information you need after a bite, along with a plain English walkthrough of Wisconsin strict liability, double damages under Section 174.02(1)(b), the three year statute of limitations under Wis. Stat. 893.54, and how the 51 percent bar under Wis. Stat. 895.045 changes what you can recover.
Eau Claire and Eau Claire County Dog Bite Statistics
The Wisconsin Department of Health Services does not publish a headline annual dog bite count because animal bites are not a statewide notifiable disease. The best available Wisconsin figures come from the injury section of the DHS WISH (Wisconsin Interactive Statistics on Health) query system, which covers hospital emergency department visits, and from CDC WISQARS for national context.
National context matters here because Eau Claire hospitals draw patients well beyond city limits. A CDC report estimated that U.S. hospital emergency departments treated about 368,000 people for dog bite injuries in 2001, and about 98 percent of them were treated and released. That CDC report also found that children ages 5 to 9 had the highest rate of dog bite injuries, and that most injuries to children under 4 were to the head or neck.
Locally, Eau Claire spans two counties. The 2020 census counted 67,238 residents inside the Eau Claire County portion of the city and another 2,183 in the small slice that crosses into Chippewa County. Bite complaints reach animal control from every neighborhood, including Third Ward near the university, Randall Park, Historic Randall, East Hill, North River Fronts, and the neighborhoods along Fairfax Street and Menomonie Street. Cold months bring their own risk: dogs that usually spend time outside are kept indoors during holiday gatherings, which puts children in close contact with unfamiliar animals in unfamiliar homes.
Wisconsin Dog Bite Law: Strict Liability + Double Damages
Wisconsin is a strict liability state, and it is one of the very few that lets a bite victim recover twice the value of the case in the right circumstances.
The single damages rule. Under Wis. Stat. 174.02(1)(a), the owner of a dog is liable for the full amount of damages caused by the dog injuring or causing injury to a person, domestic animal, or property. There is no requirement to prove the owner was careless, the dog had a prior history, or the owner should have known the dog was dangerous. Being the owner is enough. The rule is expressly subject to the comparative negligence statute (see below), so the plaintiff’s own share of fault still reduces the recovery.
The double damages rule. Under Wis. Stat. 174.02(1)(b), the owner is liable for two times the full amount of damages when three conditions all line up:
- The current bite broke the victim’s skin and caused permanent physical scarring or disfigurement, AND
- The same dog had previously, without provocation, bitten a person hard enough to break skin and leave permanent scarring or disfigurement, AND
- The owner was notified of, or otherwise knew about, that prior bite.
This is the single most powerful recovery lever in Wisconsin dog bite practice. Investigating whether a prior qualifying bite exists (through Eau Claire Police Department bite reports, Eau Claire County Humane Association intake records, prior homeowner claims, neighbor statements, and social media) is the case building priority in every serious Eau Claire matter.
Statutory penalties, separate from your damages. Under Wis. Stat. 174.02(2)(a) and (b), the owner also faces a civil forfeiture of $50 to $2,500, or $200 to $5,000 if the owner was notified or knew the dog had caused an injury before. Those penalties are paid to the government, not to the victim, and by Wis. Stat. 174.02(2)(c) they are on top of the owner’s civil liability to you.
The statute ends at subsection (4). There is no Wis. Stat. 174.02(5). Any page or letter that cites Section 174.02(5) is citing a subsection that does not exist.
Eau Claire City Ordinance on Dogs and Animals
On top of the state strict liability rule, the City of Eau Claire regulates dog ownership through Title 6 (Animals) of the Eau Claire Code of Ordinances. The city administers licensing, leashing, dangerous dog designations, and bite reporting locally through the Eau Claire Police Department in partnership with the Eau Claire County Humane Association.
Key duties Eau Claire dog owners have to meet:
- Annual licensing. Every dog or cat over five months old kept inside city limits must be licensed, and a valid rabies certificate must come with the application.
- Rabies vaccination. Vaccination by a licensed Wisconsin veterinarian is mandatory. A biting dog without proof of rabies vaccination has to be quarantined at a veterinary hospital.
- Leash requirement. Dogs must be kept on a leash no longer than eight feet at all times when they are off the owner’s property.
- Dangerous and vicious dog framework. The city code lets the police department impound a dog suspected of being dangerous, including a dog that bit someone without provocation, for up to 30 days. If the dog is found dangerous, the owner is ordered to remove it from the city within five days. That finding is powerful evidence in a later civil case.
- Bite reporting. Any dog that bites a person must be quarantined for at least 10 days so it can be watched for rabies. Report the bite yourself; do not rely on the hospital to make the report for you.
- Nuisance provisions. Excessive barking, allowing a dog to run at large, or failing to clean up after a dog are all municipal violations. Prior citations can help show what the owner knew about the dog, but double damages require that the owner knew of an earlier unprovoked bite that broke the skin and caused permanent scarring or disfigurement.
Eau Claire County Animal Control and the Humane Association
Eau Claire does not run a separate municipal animal shelter. The city contracts with the Eau Claire County Humane Association for animal sheltering, including stray animals.
Front line bite response, however, is handled by the Eau Claire Police Department. When a bite occurs inside city limits, call the non-emergency line at (715) 839-4972 and an animal control officer follows up. A dog that is current on its rabies vaccination is usually placed in a 10-day home quarantine with two veterinary checks. A dog without current rabies vaccination records spends the 10 days quarantined at a veterinarian.
Outside city limits, in the unincorporated parts of Eau Claire County, the Eau Claire County Sheriff’s Office handles animal complaints in coordination with the Humane Association.
Ask the responding officer for the incident number and a copy of the report. If the department will not release it to you directly, your lawyer can obtain it. That bite report, along with the rabies observation paperwork, is core evidence for your claim.
What To Do After an Eau Claire Dog Bite
The choices you make in the first hour and the first week after an Eau Claire dog attack shape both your medical outcome and your civil case.
- Get to safety and call 911 if the dog is still at large. If the dog is contained, call the Eau Claire Police non-emergency line at (715) 839-4972 so an officer can respond and document the scene.
- Identify the dog and the owner. Get the owner’s full name, address, phone number, homeowner or renter insurance carrier, and the dog’s license tag number and rabies vaccination status. If the owner is not present, get a description of the dog (breed, size, color, collar) and note the direction it went.
- Get medical care. Even a small puncture in a hand or lower leg can seed deep tendon or joint infection within hours. Dog mouths carry Pasteurella multocida, Capnocytophaga, and other bacteria that do not stay in the wound.
- Report the bite. Call the Eau Claire Police non-emergency line at (715) 839-4972 to file the formal bite report, or 911 if the situation is still active. If the bite happened outside city limits, call the Eau Claire County Sheriff’s non-emergency line at (715) 839-4972.
- Photograph everything. Wounds before and after cleaning, torn clothing, the scene, the dog if you can safely get an image, and any blood on the ground or on shoes.
- Get witness contact information. Names, phone numbers, and email addresses. Neighbors, joggers on the Chippewa River State Trail, and delivery drivers are often the strongest witnesses.
- Preserve evidence. Keep torn clothing unwashed in a paper bag, save every medical bill and discharge instruction sheet, and start a daily journal of pain levels, sleep, missed work, and how the injury affects your routine.
- Do not give a recorded statement to the owner’s insurance carrier. Not before you have talked with an Eau Claire dog bite lawyer. Recorded statements are used to narrow later damages and to fish for a provocation defense.
Eau Claire Hospitals and Urgent Care for Dog Bites
Eau Claire is the regional medical hub for west central Wisconsin. Serious bite injuries in Eau Claire are typically treated at one of the following facilities:
- Mayo Clinic Health System, Eau Claire. State-designated Level II trauma center, the highest level of trauma care in the region. Main line: (715) 838-3311.
- Marshfield Medical Center, Eau Claire. State-designated Level IV trauma center.
- OakLeaf Surgical Hospital, Eau Claire. Specialty surgical hospital with orthopedic and reconstructive resources. Best for planned scar revision, tendon repair, and hand surgery follow up, not first line emergency care.
How To Report a Dog Bite in Eau Claire
Reporting the bite is not optional if you want to protect your claim. It is required under Eau Claire’s animals chapter and under Wisconsin Department of Health Services rabies observation rules.
- Eau Claire Police Department, non-emergency. Phone: (715) 839-4972. Use for bites inside Eau Claire city limits. An animal control officer follows up on the bite report and the rabies quarantine.
- Eau Claire County Sheriff’s Office, non-emergency. Phone: (715) 839-4972. Use for bites in unincorporated Eau Claire County, in townships, or in smaller communities without their own police department.
- Chippewa County Sheriff’s Office, non-emergency. Use for bites in Chippewa County outside city limits.
- 911. Use for any bite that requires an emergency medical response, whenever a dog is actively attacking or at large and dangerous, or whenever the owner refuses to identify the dog.
When you file the report, ask for the incident number and a copy of the bite report and any dispatch narrative. If the department will not release them to you directly, your lawyer can obtain them. Those records, together with the rabies quarantine paperwork, are key evidence in your claim and in showing whether the dog bit someone before, which is what supports double damages under Wis. Stat. 174.02(1)(b).
Eau Claire Area Law Enforcement and Emergency Contacts
One of these agencies will have jurisdiction:
- Eau Claire Police Department. Emergency: 911. Non-emergency: (715) 839-4972. Serves the entire city.
- Eau Claire County Sheriff’s Office. Non-emergency: (715) 839-4972. Serves the townships and unincorporated areas of Eau Claire County.
- Chippewa County Sheriff’s Office. Serves the unincorporated areas of Chippewa County.
- 911. Call for an active attack or serious injury.
Even when a bite is not a criminal matter, a police or sheriff’s report creates a time stamped record of the officer’s observations of the dog, the owner, and the scene. It carries far more weight with an insurer than a summary written later.
Filing a Dog Bite Claim in Eau Claire County
Eau Claire dog bite lawsuits are heard in the Eau Claire County Circuit Court. Your lawyer handles the filing, serves the dog owner, and tracks the deadlines, including Wisconsin’s three-year limit.
Most serious Eau Claire cases exceed the $5,000 small claims limit for personal injury claims, because a single emergency department visit with sutures, imaging, and follow up plastic surgery often reaches that amount in medical bills alone, before pain, scarring, or lost wages are counted.
The overwhelming majority of Eau Claire cases settle with the owner’s homeowner or renter insurance carrier before trial, and many before suit is filed. Filing is often what moves a stalled adjuster to make a reasonable offer, especially when the case exposes the carrier to double damages under Wis. Stat. 174.02(1)(b). Keep your records and talk to a lawyer early.
Compensation for Eau Claire Dog Bite Victims
Under Wis. Stat. 174.02, a dog owner is liable for the full amount of damages, which Wisconsin courts have interpreted broadly to include the full range of personal injury damages. Wisconsin does not cap non-economic damages in ordinary dog bite cases; the medical malpractice cap in Wis. Stat. 655 does not apply here.
In an Eau Claire case, recoverable damages typically include:
- Past medical expenses. Emergency care at Mayo Clinic Health System or Marshfield Medical Center, wound irrigation, sutures, IV antibiotics, imaging, rabies post exposure prophylaxis, plastic surgery, and every follow up visit.
- Future medical expenses. Scar revision, staged reconstructive surgery, dental work when a bite reaches the face, physical therapy for tendon or joint injuries, and mental health care.
- Lost wages and lost earning capacity. Time missed while healing and attending appointments, plus reduced earning ability when a visible scar or PTSD limits public facing work.
- Physical pain and suffering. Ongoing pain from nerve damage, tendon injuries, and slow healing wounds.
- Emotional distress and PTSD. Diagnosed anxiety, hypervigilance, sleep disruption, and fear of dogs. Common in child victims and in adult victims of severe attacks.
- Scarring and disfigurement. Compensated separately from pain and suffering because a scar is a permanent injury visible for the rest of the victim’s life.
- Out of pocket costs. Torn clothing, prescriptions, mileage to Eau Claire specialists, home care.
Collateral source and made whole doctrine. Wisconsin follows the collateral source rule. Under Ellsworth v. Schelbrock, you recover the reasonable value of your medical care, and that recovery is not cut down just because a health plan paid the providers a discounted amount. And under the made whole doctrine of Rimes v. State Farm Mut. Auto. Ins. Co., a subrogated health insurer’s reimbursement claim can be reduced or eliminated when the plaintiff has not been fully compensated. Both doctrines have to be pressed against every subrogated carrier before any Eau Claire settlement is disbursed.
Comparative Negligence in Wisconsin Dog Bite Cases
Wisconsin uses a modified comparative negligence rule with a 51 percent bar. Under Wis. Stat. 895.045(1), a plaintiff’s contributory negligence does not bar recovery if that negligence is not greater than the negligence of the defendant, but any damages are reduced in proportion to the plaintiff’s share. In plain English: at 50 percent or less, you recover with a reduction; at 51 percent or higher, you recover nothing. And critically, Wis. Stat. 174.02(1)(a) is expressly “subject to s. 895.045,” so comparative fault applies inside the strict liability framework itself.
Worked Eau Claire example. Suppose you are walking your leashed labrador along the Chippewa River State Trail near Phoenix Park and a neighbor’s unleashed shepherd mix rushes at you. You instinctively step between the two dogs and get bitten on the forearm. You need emergency care at Mayo Clinic Health System, a course of IV antibiotics, and a scar revision at OakLeaf Surgical Hospital. Your total damages come to $60,000: $18,000 in past medical bills, $6,000 in future scar revision, $3,000 in lost wages, and $33,000 in pain, suffering, and disfigurement.
The insurance adjuster argues you were 30 percent at fault for stepping between the two dogs instead of dropping the leash and backing away. Even if a jury agrees:
- Your fault (30 percent) is not greater than the owner’s fault (70 percent), so the 51 percent bar does NOT apply and you still recover.
- Your damages are reduced by your 30 percent share. $60,000 x 0.70 = $42,000 net recovery.
- If the shepherd mix had bitten another person and drawn a scar before, and the owner had been notified, the underlying $60,000 becomes $120,000 under Wis. Stat. 174.02(1)(b). Applying the same 30 percent reduction: $84,000 net recovery. The double damages rule is what makes the prior bite investigation worth every hour.
Wisconsin defense lawyers routinely try to reframe ordinary victim behavior (petting a dog after the owner said it was friendly, breaking up a dog fight to protect your own animal, walking on a public trail) as “provocation.” Real provocation under Wisconsin law requires voluntary conduct that would trigger a dog to bite; it does not include being present, being lawfully invited, or trying to protect yourself or your pet.
Statute of Limitations for Eau Claire Dog Bite Cases
Under Wis. Stat. 893.54, personal injury actions (including dog bite claims under Wis. Stat. 174.02) must be commenced within three years of the date of injury. Wrongful death actions from a fatal dog attack are also three years under Wis. Stat. 893.54(2).
Do not treat three years as a reason to wait. Evidence in a dog bite case decays quickly:
- The dog can be rehomed, sold, or euthanized within weeks.
- Bite report retention practices vary between agencies, and older reports can require formal Public Records Law requests.
- Witnesses move, change phone numbers, and forget details.
- Photographs of the healing wound only capture the injury in the first few weeks.
- Homeowner and renter insurance policies renew annually and coverage terms can change.
Child victims. Wisconsin tolls the SOL for minors under Wis. Stat. 893.16. A person under 18 at the time of the bite generally has two years after turning 18 to sue, which puts the practical deadline at the victim’s 20th birthday. When the ordinary three year period ends LATER than the 20th birthday (for example, a child hurt at age 16 who has three years, until age 19), the ordinary period controls. Practical rule for intake: use whichever deadline is later.
Government defendants. If the dog belongs to a government agency (very rare in ordinary Eau Claire cases, but occasionally a fact pattern in public housing or a poorly supervised working dog situation), a notice of injury must be filed on a much shorter clock. Under Wis. Stat. 893.80, a claim against a municipality or local unit of government requires notice within 120 days of the injury, and damages are capped at $50,000. State claims under Wis. Stat. 893.82 require notice within 120 days as well and are capped at $250,000.
Homeowner and Renter Insurance for Eau Claire Dog Bites
Most Eau Claire dog bite claims are paid by the dog owner’s homeowner or renter insurance, not out of the owner’s personal savings. That is one of the most important reasons to bring a claim even when the owner is a friend, family member, neighbor, or landlord. You are not asking your friend to write you a check. You are asking the insurance company they already pay premiums to.
Typical Wisconsin liability limits for homeowner (HO-3) and renter (HO-4) policies are $100,000 to $300,000, with $500,000 available on request and umbrella coverage of $1 million or more stacked on top in higher net worth households. In serious injury cases (facial scarring, child victim, surgical reconstruction, PTSD diagnosis) always demand disclosure of every umbrella policy the owner or any adult resident of the home may carry.
The renter market matters in Eau Claire. With UW-Eau Claire and the surrounding student rental market, a very large share of dogs live in HO-4 households, not HO-3 households. HO-4 policies typically include the same personal liability grant as HO-3 (usually $100,000 to $300,000), so a bite by a student or graduate renter’s dog is still an insured claim. Always ask for the declarations page and endorsement schedule, not just the coverage summary.
Animal liability exclusions. Many Wisconsin homeowner policies contain an animal liability exclusion that either names a specific dog, excludes an entire breed, or drops coverage after the first reported bite. Always request the full endorsement schedule; do not rely on the insurer’s coverage letter. The exclusion is often what turns a clean liability claim into a coverage dispute.
Pawlowski multi-insurer angle. Under Pawlowski v. American Family Mut. Ins. Co., a person who “harbors” a dog (afford lodging, shelter, or refuge to it) is a statutory “owner” under Wis. Stat. 174.02, even if they are not the legal owner and even if they are not home when the bite happens. Practical impact for Eau Claire cases: every adult who lived at the address in the months before the bite has to be identified, because each one may have a separate homeowner or renter policy that responds to the claim. Under Augsburger v. Homestead Mut. Ins. Co., a property owner who does not live with the dogs and does not keep or shelter them is not a statutory owner, so landlord policies are usually a dead end unless there is a keeper or harborer relationship.
Why Choose Dog Bite Laws for Your Eau Claire Case
Dog Bite Laws focuses exclusively on dog attack claims nationwide. That focus matters. General personal injury firms handle car crashes, slip and falls, and every other kind of case, and treat dog bites as an afterthought. We do not.
When you work with Dog Bite Laws on an Eau Claire case, you get:
- Working knowledge of Wis. Stat. 174.02(1)(a) and (1)(b), including how to build a Wis. Stat. 174.02(1)(b) double damages theory by tracing prior bite history through police records, humane association records, prior homeowner claims, and neighbor statements.
- Familiarity with the Eau Claire Municipal Code animals chapter and with how Eau Claire Police, the Eau Claire County Sheriff, and the Eau Claire County Humane Association actually handle bite intake day to day.
- Direct experience negotiating with the major carriers writing homeowner and renter policies in western Wisconsin.
- Careful application of Wis. Stat. 895.045 comparative negligence, Wis. Stat. 893.16 minor tolling, the Ellsworth collateral source rule, and the Rimes made whole doctrine to protect the full value of your recovery.
- No fee unless we recover for you. We advance the costs of investigation, medical records, and expert witnesses.
Call Dog Bite Laws today for a free case evaluation. We will review the bite report, the medical records, and the owner’s insurance situation, and give you an honest assessment of what your Eau Claire dog bite case is worth, including whether a Wis. Stat. 174.02(1)(b) double damages theory is on the table.
Frequently Asked Questions
It can. Under Wis. Stat. 174.02(1)(b), damages double when three things all line up: the current bite broke your skin and left a permanent scar or disfigurement, the same dog had previously, without provocation, bitten another person hard enough to break skin and leave a permanent scar, and the owner was notified of or otherwise knew about that prior bite. Investigating the prior bite through Eau Claire Police records, Eau Claire County Humane Association intake, prior homeowner claims, and neighbor statements is the case-building priority.
Front line bite intake inside Eau Claire city limits goes through the Eau Claire Police Department at (715) 839-4972. The city contracts with the Eau Claire County Humane Association for animal sheltering, but bite reports go through the police non-emergency line, and an animal control officer follows up. A vaccinated dog is usually quarantined at home for 10 days; an unvaccinated dog is quarantined at a veterinarian.
Yes, unless your share of fault was greater than the owner's share. Wis. Stat. 895.045 uses a 51 percent bar. Worked example: your total damages are $60,000 and a jury attributes 30 percent of the fault to you. Your fault (30 percent) is not greater than the owner's (70 percent), so you still recover, but your award is reduced by your share: $60,000 x 0.70 = $42,000. If double damages under Wis. Stat. 174.02(1)(b) apply, the underlying $60,000 becomes $120,000 and the same 30 percent reduction yields $84,000.
The strict liability rule and double damages rule under Wis. Stat. 174.02 are the same throughout the state, so the substantive law does not change. Tell your lawyer exactly where the bite happened so the claim is handled in the right county.
Cold weather cases are common in the Chippewa Valley. Dogs that usually spend the day outside are kept indoors during holiday gatherings, and children are put in close contact with unfamiliar animals in unfamiliar homes. The legal analysis is the same: Wis. Stat. 174.02 is strict liability, provocation does not include ordinary child behavior, and the homeowner or renter policy usually responds. What matters is documenting where the bite happened, whose homeowner policy covers that address (host, not necessarily the dog's owner if the dog was staying with them), and whether Pawlowski harborer liability opens a second policy.
Almost certainly yes. A service dog is still subject to Wis. Stat. 174.02 strict liability like any other privately owned dog. The narrow Wis. Stat. 174.02(4) exception only covers a dog used by a law enforcement agency that injures a crime suspect while performing law enforcement functions, so it does not apply to service animals used by university staff or students. Confirm the handler's homeowner or renter policy and, if the dog was on the job at the time of the bite, whether the university's general liability or a workers-compensation carve-out is also in play.
Possibly, and that is not always bad news. Under Pawlowski v. American Family Mut. Ins. Co., a person who "harbors" a dog by giving it lodging or refuge in their home is a statutory "owner" under Wis. Stat. 174.02, even if they are not the legal owner. From your visitor's perspective, that opens a second homeowner or renter policy (your HO-4 as well as your roommate's) that can respond to the claim. From your perspective, it is a reason to make sure your HO-4 policy is in force, does not exclude the specific breed, and carries adequate liability limits.
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